| Metric | Clay County Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.4 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 9.1% | 11.9% | -2.8 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.9M | $116.2M | $64.9M | $19.0M | $850K | 1.26% | 3.92% | 0.13% |
| Q1 2026 | $134.6M | $115.4M | $63.2M | $18.5M | $408K | 1.21% | 3.84% | 0.17% |
| Q4 2025 | $135.7M | $116.7M | $62.4M | $18.5M | $1.4M | 1.05% | 3.73% | 0.17% |
| Q3 2025 | $133.7M | $114.6M | $62.8M | $18.6M | $1.1M | 1.10% | 3.68% | 0.25% |
| Q2 2025 | $132.0M | $113.1M | $64.2M | $18.1M | $707K | 1.09% | 3.64% | 0.20% |
| Q1 2025 | $129.1M | $110.8M | $63.0M | $17.8M | $338K | 1.04% | 3.55% | 0.25% |
| Q4 2024 | $129.7M | $112.1M | $63.5M | $17.2M | $1.7M | 1.31% | 3.81% | 0.11% |
| Q3 2024 | $132.8M | $114.7M | $63.9M | $17.5M | $1.2M | 1.26% | 3.83% | 0.11% |
Loan mix (Q2 2026): real estate $46.8M · commercial $864K · consumer $18.4M · securities $43.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 52nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Clay County Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $113.1M branch deposits. Biggest market: Clay, WV, ranked 1st with 93.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clay, WV | 2 | $113.1M | 93.86% | 1st |
West Virginia: 59th with 0.22% · Charleston metro: 11th, 1.43% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2