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Overview / Commentary
150 Main Street
Clay, WV 25043

Clay County Bank, Inc. is headquartered in Clay and is the 48th largest bank in the state of West Virginia. It is also the 4,445th largest bank in the nation. It was established in 1902 and as of September of 2017, it had grown to 24 employees at 2 locations. Clay County Bank, Inc. has an A 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 - YTD1.13%
Return on Equity - YTD8.23%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$91.9MM$86.3MM
LoansQ3 2017vs Q3 2016$50.2MM$49.5MM
DepositsQ3 2017vs Q3 2016$79.2MM$73.8MM
Equity CapitalQ3 2017vs Q3 2016$12.4MM$12.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.4MM$1.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$411.00K$772.00K
Real Estate OwnedQ3 2017vs Q3 2016$40.00K$0

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Clay County Bank, Inc. Locations
Clay County Bank, Inc.150 Main StreetClay, WV 25043
Clay Branch2236 Main StreetClay, WV 25043