This institution is no longer active

Operations ceased on July 26, 2025. CRA examination history below reflects the period it was active.

CLAY COUNTY SAVINGS BANK

LIBERTY, MO · Supervised by FDIC

Est. 1922FDIC #29,764RSSD: FDIC-29764

Part ofFIRST MISSOURI BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.88%

Institution Profile

FDIC BankFind

Address

1178 W Kansas St, LIBERTY, MO

County

Clay County

Established

January 1, 1922

Total Assets

$142M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$142M

Total Deposits

$115M

Net Loans

$84M

Net Income

$-611K

ROA

-0.88%

ROE

-9.29%

Risk-Based Capital

19.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.18%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$115M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	22	68.18%	18.18%
2023	50	72%	6.00%
2022	64	82.81%	1.56%
2019	64	73.44%	4.69%
2018	108	87.96%	3.70%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2017

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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