Clay County Bank, Inc.
Clay, WV
IDRSSD: 832528
Total Assets
$133.74M
Latest filing
Total Deposits
$114.60M
Latest filing
Net Interest Margin
3.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Clay County Bank, Inc.
150 Main St
Clay, WV 25043
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Whitesville State Bank
Whitesville, West Virginia
→
Assets: $133.95MΔ +1.5%
Guaranty Bank Inc.
Williamson, West Virginia
→
Assets: $140.92MΔ +6.8%
The Fayette County National Bank of Fayetteville
Fayetteville, West Virginia
→
Assets: $149.53MΔ +13.3%
The Harrison County Bank
Lost Creek, West Virginia
→
Assets: $152.30MΔ +15.4%
The First National Bank of Williamson
Williamson, West Virginia
→
Assets: $108.40MΔ -17.9%
First Neighborhood Bank
Spencer, West Virginia
→
Assets: $161.00MΔ +22.0%
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 | 11/14/2025 |
| CERT | 2444 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $133.74M |
| Total Deposits | $114.60M |
| Total Liabilities | $115.16M |
| Total Equity Capital | $18.58M |
| Net Income | $378.00k |
| Net Loans and Leases | $62.80M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $1.03M |
| Cash and Balances due from Depository Institutions | $27.17M |
| Deposits Held in Domestic Offices | $114.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 8.24% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 66.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.89% |
| Earning Assets to total Assets | 96.51% |
Income and Expense
| Total Interest Income | $1.69M |
| Total Noninterest Income | $195.00k |
| Total Interest Expense | $485.00k |
| Total Noninterest Expense | $926.00k |
| Net Interest Income | $1.21M |
| Pre-tax Net Operating Income | $474.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $565.00k |
| Total Liabilities and Capital | $133.74M |
Securities
| Securities | $41.55M |
| Available-for-sale debt securities | $41.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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.?
$133.74M as of the latest filing.
How much are Clay County Bank, Inc.'s total deposits?
$114.60M in total deposits.
Where is Clay County Bank, Inc. located?
Clay, WV.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
2.
When was it established?
06/04/1902.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$62.80M (latest filing).
What is the total interest income (latest filing)?
$1.69M.