Clay County Bank, Inc.

Clay, WV · FDIC Certificate #2444 · Chartered 06/0

Total assets

$135.90M

Total deposits

$116.15M

Total equity

$18.99M

Net loans

$64.89M

Branches (offices)

Net income (YTD)

$850.00K

Rank: #3,417 of 4,213 U.S. banks by assets · #36 of 41 in West Virginia. Assets changed 3.0% and deposits 2.7% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.26%
Return on equity	9.10%
Net interest margin (YTD)	3.92%
Equity to assets	13.98%
Tier 1 leverage ratio	14.80%
Uninsured deposits (share of deposits)	14.2%
Noncurrent loans (share of loans)	0.28%
Net charge-offs (share of loans)	0.13%
Loans to deposits	55.9%
Real estate loans (share of loans)	72.1%

Loan mix

Category	Amount	Share
Real estate loans	$46.76M	72.1%
Commercial & industrial	$864.00K	1.3%
Consumer / individual	$18.38M	28.3%
Construction & development	$531.00K	0.8%
Agricultural	$0	0.0%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$117.33M	$102.53M	$628.00K	$14.19M
Jun 2023	$119.38M	$103.80M	$868.00K	$14.94M
Jun 2024	$123.20M	$106.06M	$763.00K	$16.43M
Jun 2025	$131.98M	$113.12M	$707.00K	$18.14M
Jun 2026	$135.90M	$116.15M	$850.00K	$18.99M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
West Virginia	$116.15M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $116.15M.

Similar-sized banks

Security State Bank ($136.21M) · Merchants & Farmers Bank Of Greene County, Alabama ($135.87M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.