BlastPoint's Banking Scorecard
Clay County Bank, Inc.
Clay, WV
2 branches across WV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
- Deposits +2.7% year over year ($116.2M on the books).
- Delinquency rate 0.28%.
- Return on assets 1.26%.
- Efficiency ratio 63.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Clay County Bank, Inc. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.64% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.9M
+3.0% YoY
+1.0% QoQ
|
-$250.7M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.9% in tier |
| Total Loans ? |
$64.9M
+1.1% YoY
+2.7% QoQ
|
-$193.5M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.5% in tier |
| Total Deposits ? |
$116.2M
+2.7% YoY
+0.7% QoQ
|
-$210.6M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.6% in tier |
| Return on Assets ? |
1.26%
+15.7% YoY
+4.0% QoQ
|
-0.07% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.92%
+7.7% YoY
+2.1% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
63.83%
-3.5% YoY
-1.0% QoQ
|
-0.64% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.28%
-31.6% YoY
-22.9% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
55.87%
-1.5% YoY
+2.0% QoQ
|
-22.08% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Top 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.73%
-1.3% YoY
-6.2% QoQ
|
-0.30% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.13%
-32.8% YoY
-21.6% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
14.80%
-0.1% YoY
+0.4% QoQ
|
-1.11% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.27%
+6.5% YoY
+97.6% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.7%
-0.3pp YoY -1.4pp QoQ |
-0.4pp | 22.1% | 27.1% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.3%
-0.1pp YoY -0.1pp QoQ |
-10.2pp | 11.6% | 7.1% | 12.5% | 4% |
| CRE | n/a | n/a | 39.5% | 33.8% | 41.4% | n/a |
| 1-4 Family |
68.1%
+2.6pp YoY +1.0pp QoQ |
+35.4pp | 32.6% | 52.8% | 31.3% | 93% |
| Consumer |
28.3%
-1.4pp YoY +0.4pp QoQ |
+24.2pp | 4.1% | 7.9% | 5.0% | 99% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
14.8%
0.0pp YoY +0.1pp QoQ |
+2.6pp | 12.2% | 11.6% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-1 (-4.8%) YoY 0 QoQ |
-39 | 58 | 161 | 482 | 11% |
| Assets per Employee ($) |
$6.8M
+8.1% YoY +1.0% QoQ |
-$723K | $7.5M | $6.1M | $8.8M | 48% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.4% | 57% |
| Nonaccrual |
0.1%
-0.3pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 24% |
| Allowance Coverage |
6.30x
+38.0% YoY +22.7% QoQ |
-17.86x | 24.15x | 6.60x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+1.1pp YoY +0.3pp QoQ |
-3.1pp | 12.2% | 10.6% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.5% | 1.7% | 27% |
| Net Income ($, YTD) |
$850,000
+20.2% YoY — QoQ |
-$1.7M | $2.6M | $9.0M | $40.4M | 22% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.