Clay County Bank, Inc.
Clay, WV
IDRSSD: 832528
Total Assets
$135.73M
Latest filing
Total Deposits
$116.70M
Latest filing
Net Interest Margin
3.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051502641CLAY, WV
Key People
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Locations
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Main Office
Clay County Bank, Inc.
150 Main St
Clay, WV 25043
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/04/1902FDIC Certificate 1599
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Clay County Bank, Inc. (Main) | 150 Main St | Clay, WV |
| CLAY BRANCH | 2236 Main St | Clay, WV |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/04/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25043 |
| State and County Number | 54015 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charleston, WV |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.claycounty.bank |
| Data Updated | 01/30/2026 |
| CERT | 2444 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $135.73M |
| Total Deposits | $116.70M |
| Total Liabilities | $117.22M |
| Total Equity Capital | $18.52M |
| Net Income | $307.00k |
| Net Loans and Leases | $62.40M |
| Assets Per Employee ($Millions) | $6.46M |
| Bank Premises and Fixed Assets | $1.00M |
| Cash and Balances due from Depository Institutions | $26.81M |
| Deposits Held in Domestic Offices | $116.70M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 6.62% |
| Net Interest Margin | 3.86% |
| Efficiency Ratio | 74.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.641% |
| Earning Assets to total Assets | 96.33% |
Income and Expense
| Total Interest Income | $1.74M |
| Total Noninterest Income | $175.00k |
| Total Interest Expense | $487.00k |
| Total Noninterest Expense | $1.07M |
| Net Interest Income | $1.25M |
| Pre-tax Net Operating Income | $353.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $521.00k |
| Total Liabilities and Capital | $135.73M |
Securities
| Securities | $44.37M |
| Available-for-sale debt securities | $44.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Clay County Bank, Inc.?
$135.73M as of the latest filing.
How much are Clay County Bank, Inc.'s total deposits?
$116.70M in total deposits.
Where is Clay County Bank, Inc. located?
Clay, WV.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
2.
When was it established?
06/04/1902.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$62.40M (latest filing).
What is the total interest income (latest filing)?
$1.74M.