Clay, WV · Cert 2444 · First Clay County Banc Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Charleston, WV · 2026 SOD (annual) · 1.6% share · #11 of 14 inst. · $0.1B of $7.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.31% | 1.04% | 1.09% | 1.10% | 1.05% | 1.21% | 1.26% | +17 bps | |
| Return on Equity | 9.60% | 9.93% | 7.74% | 7.99% | 8.08% | 7.72% | 8.81% | 9.10% | +111 bps | |
| Net Interest Margin | 3.60% | 3.50% | 3.43% | 3.45% | 3.47% | 3.50% | 3.72% | 3.75% | +30 bps | |
| Efficiency Ratio | 60.70% | 64.82% | 66.85% | 66.17% | 66.16% | 68.45% | 64.46% | 63.83% | -234 bps | |
| Non-Interest Burden | 1.97% | 2.07% | 2.12% | 2.11% | 2.12% | 2.23% | 2.20% | 2.20% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 4.57% | 5.70% | 7.13% | 0.73% | 4.65% | 4.26% | 2.97% | -415 bps | |
| Loan Growth (YoY) | 5.70% | 5.42% | 3.91% | 3.65% | -1.83% | -1.76% | 0.22% | 1.04% | -261 bps | |
| Deposit Growth (YoY) | 9.06% | 4.34% | 5.29% | 6.66% | -0.11% | 4.06% | 4.13% | 2.68% | -398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.23% | 0.50% | 0.40% | 0.52% | 0.36% | 0.36% | 0.28% | -13 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.02% | 0.02% | 0.11% | 0.04% | 0.04% | 0.12% | +10 bps | |
| Allowance / Loans | 1.86% | 1.86% | 1.87% | 1.84% | 1.81% | 1.87% | 1.83% | 1.74% | -10 bps | |
| Allowance Coverage of NPLs | 8.0x | 8.1x | 3.7x | 4.6x | 3.5x | 5.2x | 5.1x | 6.3x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.77% | 14.39% | 14.95% | 14.81% | 14.61% | 14.38% | 14.74% | 14.80% | -1 bps | |
| Total Risk-Based Capital | 14.77% | 14.39% | 14.95% | 14.81% | 14.61% | 14.38% | 14.74% | 14.80% | -1 bps | |
| Equity / Assets | 13.19% | 13.23% | 13.78% | 13.74% | 13.89% | 13.64% | 13.76% | 13.98% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.79% | 57.72% | 57.97% | 57.78% | 55.81% | 54.49% | 55.79% | 56.86% | -92 bps | |
| Liquid Assets / Assets | 19.69% | 16.60% | 17.61% | 16.32% | 18.49% | 17.67% | 16.92% | 16.38% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 17.35% | 16.88% | 17.06% | n/a | n/a | |