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Clay County Bank, Inc.

$100M-$1B Specialty: Other WV FDIC cert 2444

Clay, WV

2 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV
View $100M-$1B leaderboard (WV) →

Clay County Bank, Inc. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.82% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.09% below tier average
Get updates when Clay County Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $134.6M
+4.3% YoY -0.8% QoQ
-$251.5M $386.1M
+0.5% YoY
$1.2B
+2.9% YoY
$6.2B
+9.1% YoY
Bottom 9.5% in tier
Total Loans ? $63.2M
+0.3% YoY +1.3% QoQ
-$192.5M $255.7M
+1.1% YoY
$864.0M
+4.3% YoY
$3.2B
+10.8% YoY
Bottom 5.5% in tier
Total Deposits ? $115.4M
+4.1% YoY -1.1% QoQ
-$212.6M $328.0M
+0.1% YoY
$1.0B
+3.7% YoY
$4.8B
+8.2% YoY
Bottom 10.5% in tier
Return on Assets ? 1.21%
+15.6% YoY +14.5% QoQ
-0.06% 1.27%
+12.9% YoY
0.95%
+29.1% YoY
1.23%
+13.4% YoY
51%
Net Interest Margin ? 3.84%
+8.1% YoY +3.0% QoQ
-0.09% 3.93%
+6.0% YoY
3.79%
+9.5% YoY
3.89%
+5.7% YoY
49%
Efficiency Ratio ? 64.46%
-3.6% YoY -5.8% QoQ
-0.82% 65.29%
-4.5% YoY
70.57%
-7.5% YoY
66.95%
-4.1% YoY
46%
Delinquency Rate ? 0.36%
-28.8% YoY +0.1% QoQ
-0.52% 0.89%
+18.8% YoY
0.74%
+24.2% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 54.77%
-3.7% YoY +2.4% QoQ
-21.87% 76.64%
+0.8% YoY
78.35%
+1.2% YoY
76.70%
+0.9% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 23.18%
+3.6% YoY -0.4% QoQ
+1.16% 22.02%
-1.0% YoY
26.63%
-0.0% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.17%
-31.5% YoY +2.2% QoQ
-0.47% 0.64%
+19.7% YoY
0.57%
+21.1% YoY
0.67%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 14.74%
-1.4% YoY +2.5% QoQ
-1.09% 15.83%
+1.5% YoY
14.22%
+0.9% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.14%
+5.5% YoY -73.4% QoQ
-0.14% 0.28%
+9.3% YoY
0.14%
-2.1% YoY
0.32%
+4.1% YoY
70%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

357
Loan-to-Deposit Ratio
liquidity
Value: 54.77%
Peer Median: 76.64%
#357 of 2664 Top 13.4% in $100M-$1B

Top Weaknesses (3 metrics)

2518
Total Loans
size
Value: $63.19M
Peer Median: $255.72M
#2518 of 2664 Bottom 5.5% in $100M-$1B
2412
Total Assets
size
Value: $134.61M
Peer Median: $386.08M
#2412 of 2664 Bottom 9.5% in $100M-$1B
2386
Total Deposits
size
Value: $115.38M
Peer Median: $327.97M
#2386 of 2664 Bottom 10.5% in $100M-$1B
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