Clay County Savings Bank Safety Rating
Clay County Savings Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #854 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Clay County Savings Bank's best component is liquidity (100/100) and its weakest is profitability (26/100).
This page answers a common banking-safety question: Clay County Savings Bank Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Clay County Savings Bank Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #854 of 3,960
- Tier 1 capital (35%)
- 89/100
- Loan quality (30%)
- 99/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 26/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Clay County Savings Bank among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 22% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.51% | 89/100 |
| Nonperforming Loan Ratio | 0.07% | 99/100 |
| Liquidity Ratio | 30.28% | 100/100 |
| Return on Assets | 0.14% | 26/100 |
| Total Assets | $0.1B | |
How does Clay County Savings Bank compare?
With a Bank Health Score of 88/100, Clay County Savings Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Missouri, where 193 FDIC-insured banks are headquartered, Clay County Savings Bank ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 13.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.07% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Clay County Savings Bank's Bank Health Score improved by 9.0 points to 88/100. Tier 1 capital strengthened by 2.36 percentage points to 13.51%. Quarter-over-quarter, the score rose by 8.0 points.
Frequently Asked Questions
Clay County Savings Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #854 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Clay County Savings Bank's best component is liquidity (100/100) and its weakest is profitability (26/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Clay County Savings Bank: Tier 1 capital scores 89/100, loan quality 99/100, liquidity 100/100, and profitability 26/100 — combining to 88/100 (grade A).
Clay County Savings Bank's Bank Health Score of 88/100 is 21.0 points above the Missouri state average of 67/100. 193 FDIC-insured banks are headquartered in Missouri.
Yes. Clay County Savings Bank (FDIC certificate #29764) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Clay County Savings Bank
Clay County Savings Bank's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #854 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Clay County Savings Bank's best component is liquidity (100/100) and its weakest is profitability (26/100).