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Overview / Commentary
150 Main Street
Clay, WV 25043

Clay County Bank, Inc. is headquartered in Clay and is the 50th largest bank in the state of West Virginia. It is also the 4,733rd largest bank in the nation. It was established in 1902 and as of June of 2016, it had grown to 23 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 - YTD1.05%
Return on Equity - YTD7.52%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$83.8MM$82.3MM
LoansQ2 2016vs Q2 2015$49.5MM$49.7MM
DepositsQ2 2016vs Q2 2015$71.3MM$70.6MM
Equity CapitalQ2 2016vs Q2 2015$11.9MM$11.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$450.00K$462.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$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