FIRST CLAY COUNTY BANC CORP is the parent banking group. CLAY COUNTY BANK, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST CLAY COUNTY BANC CORP

Legal name: FIRST CLAY COUNTY BANC CORPORATION

1 active bank · $135M combined assets

RSSD ID: 1427211 (FFIEC NIC)

Combined Assets

$135M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCLAY COUNTY BANK, INC.CLAY, WVSatisfactory$135MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$135M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$115M

Net Income

$408K

ROA (avg)

1.21%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

111

Origination Rate

92.79%

Denial Rate

2.7%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CLAY COUNTY BANK, INC.	CLAY, WV	FDIC	$135M	100.0%	Satisfactory	Jul 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.