Clay County Savings Bank
Liberty, MO
IDRSSD: 125873
Total Assets
$141.61M
Latest filing
Total Deposits
$114.67M
Latest filing
Net Interest Margin
1.27%
Profitability
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 | 01/01/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64068 |
| State and County Number | 29047 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/26/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 29764 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $141.61M |
| Total Deposits | $114.67M |
| Total Liabilities | $122.64M |
| Total Equity Capital | $18.98M |
| Net Income | $-389,000 |
| Net Loans and Leases | $84.24M |
| Assets Per Employee ($Millions) | $5.45M |
| Bank Premises and Fixed Assets | $6.59M |
| Cash and Balances due from Depository Institutions | $19.61M |
| Deposits Held in Domestic Offices | $114.67M |
Key Performance Ratios
| Return on Assets (ROA) | -1.12% |
| Return on Equity (ROE) | -10.65% |
| Net Interest Margin | 1.27% |
| Efficiency Ratio | -119.21% |
| Tier 1 Risk-Based Capital Ratio | 18.373% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.37% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.401% |
| Earning Assets to total Assets | 89.96% |
Income and Expense
| Total Interest Income | $439.00k |
| Total Noninterest Income | $-3,000 |
| Total Interest Expense | $30.00k |
| Total Noninterest Expense | $-377,000 |
| Net Interest Income | $409.00k |
| Pre-tax Net Operating Income | $-392,000 |
| Provision for Credit Losses | $1.18M |
| 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 | $7.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $470.00k |
| Total Liabilities and Capital | $141.61M |
Securities
| Securities | $25.95M |
| Available-for-sale debt securities | $25.95M |
| 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 Savings Bank?
$141.61M as of the latest filing.
How much are Clay County Savings Bank's total deposits?
$114.67M in total deposits.
Where is Clay County Savings Bank located?
Liberty, MO.
What is the Net Interest Margin?
1.27%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1922.
What is the Return on Assets (ROA)?
-1.12%.
How much are total loans and leases?
$84.24M (latest filing).
What is the total interest income (latest filing)?
$439.00k.