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Overview / Commentary
150 Main Street
Clay, WV 25043

Clay County Bank, Inc. is headquartered in Clay and is the 49th largest bank in the state of West Virginia. It is also the 4,563rd largest bank in the nation. It was established in 1902 and as of March of 2017, it had grown to 23 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 - YTD1.15%
Return on Equity - YTD8.32%
Annual Interest Income$937.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$88.4MM$84.3MM
LoansQ1 2017vs Q1 2016$49.5MM$49.1MM
DepositsQ1 2017vs Q1 2016$75.8MM$72.0MM
Equity CapitalQ1 2017vs Q1 2016$12.2MM$11.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.4MM$1.1MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$637.00K$481.00K
Real Estate OwnedQ1 2017vs Q1 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