Clay County Bank, Inc. is a bank based in Clay, West Virginia, established in 1902, with $135 million in total assets across 2 branches. By Trust Grade it ranks 7th of 41 banks we track in West Virginia. Its capital ratio of 13.8% is stronger than 85% of similarly sized banks, versus a West Virginia median of 10.1%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against Clay County Bank, Inc. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Clay County Bank, Inc. compares to West Virginia peers
How we graded Clay County Bank, Inc.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.8% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Clay County Bank, Inc. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 150 Main St, Clay, WV 25043
- 2236 Main St, Clay, WV 25043
Are deposits at Clay County Bank, Inc. insured?
Yes. Clay County Bank, Inc. is an FDIC-insured bank (FDIC certificate #2444). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Clay County Bank, Inc.: frequently asked questions
Is Clay County Bank, Inc. a good bank?
Clay County Bank, Inc. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.8% capital ratio); Strongly profitable (ROA 1.21%).
Is Clay County Bank, Inc. FDIC-insured?
Yes. Clay County Bank, Inc. is a FDIC-insured bank (FDIC certificate #2444). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Clay County Bank, Inc.?
Clay County Bank, Inc. holds $135 million in total assets, ranking 7th of 41 banks we track in West Virginia. It operates 2 branches.
Does Clay County Bank, Inc. have CFPB complaints?
No CFPB complaints against Clay County Bank, Inc. appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
