Bank of Monroe vs Clay County Bank INC
Side-by-side bank health comparison using FDIC financial data
Bank of Monroe (A) and Clay County Bank INC (A) are close on the BankHealth rubric. Asset bases: $225M versus $123M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Bank of Monroe has a stronger Bank Health Score of 97/100 (A) compared to Clay County Bank INC at 96/100 (A), a difference of 1 points. Bank of Monroe holds a Tier 1 capital ratio of 21.3% and an NPL ratio of 0.02%.
| Metric | Bank of Monroe | Clay County Bank INC |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 21.3%* | 15.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.4% |
| Liquidity Ratio Cash and liquid assets vs obligations | 36.1% | 47.8%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.2% | 1.6%* |
| Total Assets | $225M | $123M |
| Total Deposits | $201M | $106M |
| Location | Union, West Virginia | Clay, West Virginia |
Bank of Monroe has a stronger Bank Health Score of 97/100 (A) compared to Clay County Bank INC at 96/100 (A), a difference of 1 points. Bank of Monroe holds a Tier 1 capital ratio of 21.3% and an NPL ratio of 0.02%.