Is Clay County Savings Bank Safe?
Clay County Savings Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (26/100).
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.
Clay County Savings Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (26/100).