Clay County Bank, Inc.: how it compares with its peers
Against 13 WV banks with half to twice its assets, Clay County Bank, Inc.'s strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $4.8M peer median). Its weakest relative measure is net interest margin (3.92% vs. 4.01%).
| Measure | Clay County Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 0.78% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.01% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.83% | 73.36% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $4.8M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.87% | 72.89% | Context |
What it means for lending operations
Its efficiency ratio of 63.83% is better than the 73.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Whitesville State Bank Whitesville, WV · $138M
- The First National Bank of Williamson Williamson, WV · $120M
- Guaranty Bank Inc. Williamson, WV · $152M
- The Fayette County National Bank of Fayetteville Fayetteville, WV · $158M
- The Harrison County Bank Lost Creek, WV · $165M
- The First National Bank of Peterstown Peterstown, WV · $85M
Questions about Clay County Bank, Inc.
How big is Clay County Bank, Inc.?
Clay County Bank, Inc., established in 1902, is headquartered in Clay, WV. It reported $136M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Clay County Bank, Inc.'s return on assets?
1.26% annualized in Q2 2026, against a 0.78% median for 13 WV banks with half to twice its assets, ahead of 77% of them.
What is Clay County Bank, Inc.'s efficiency ratio?
63.83% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 73.36%, and lower is better.
Is Clay County Bank, Inc. growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.