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Overview / Commentary
150 Main Street
Clay, WV 25043

Clay County Bank, Inc. is headquartered in Clay and is the 51st largest bank in the state of West Virginia. It is also the 4,833rd largest bank in the nation. It was established in 1902 and as of December of 2015, it had grown to 24 employees at 2 locations. Clay County Bank, Inc. has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Clay County Bank, Inc. has a relatively low asset base.

Health Grade Components

FDIC Certificate #2444
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD7.78%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$82.6MM$81.6MM
LoansQ4 2015vs Q4 2014$49.6MM$49.5MM
DepositsQ4 2015vs Q4 2014$70.7MM$70.3MM
Equity CapitalQ4 2015vs Q4 2014$11.4MM$10.9MM
Loan Loss AllowanceQ4 2015vs Q4 2014$1.1MM$1.1MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$506.00K$428.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0

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Clay County Bank, Inc. Locations
Clay County Bank, Inc.150 Main StreetClay, WV 25043