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 Clay County Bank, Inc.
Clay County Bank, Inc.
| RSSD ID 832528 | CERTIFICATE 2444 | ABA NUMBER 51502641 |
| 150 Main St |
Quarter Ended : |
2025-12-31 |
| Clay, West Virginia, 25043 |
Updated : |
2026-01-29 |
| www.claycounty.bank |
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| Institution Profile |
| Year Opened : |
1902 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
2 |
Number of Employees : |
21 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 135,733 |
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Total Interest Income | 6,672 |
| Total Liabilities | 117,217 |
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Total NonInterest Income | 710 |
| Total Bank Equity Capital | 18,516 |
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Total Interest Expense | 1,931 |
| Total Deposits | 116,696 |
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Total NonInterest Expense | 3,731 |
| Net Loans & Leases | 62,403 |
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Net Income | 1,392 |
| Loan Loss Allowance | 1,187 |
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Net Charge Offs | 26 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 63,680 |
| Total assets for the leverage ratio | 135,499 |
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Loans secured by real estate: | 45,639 |
| Tier 1 Leverage Ratio | 14.38 |
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Commercial and industrial loans | 479 |
| Off Balance Sheet Exposures (%) | 1.84 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 17,533 |
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:· Clay County Bank, Inc.
