Clay County Bank INC vs City Nb of West Virginia
Side-by-side bank health comparison using FDIC financial data
Clay County Bank INC (A) and City Nb of West Virginia (A) are close on the BankHealth rubric. Asset bases: $123M versus $6.3B.
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
Clay County Bank INC has a stronger Bank Health Score of 96/100 (A) compared to City Nb of West Virginia at 95/100 (A), a difference of 1 points. Clay County Bank INC holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.39%.
| Metric | Clay County Bank INC | City Nb of West Virginia |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A)* | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.1% | 15.2%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.4% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 47.8%* | 26.3% |
| Return on Assets Profitability metric (above 1% is strong) | 1.6% | 2.3%* |
| Total Assets | $123M | $6.3B |
| Total Deposits | $106M | $5.1B |
| Location | Clay, West Virginia | Charleston, West Virginia |
Clay County Bank INC has a stronger Bank Health Score of 96/100 (A) compared to City Nb of West Virginia at 95/100 (A), a difference of 1 points. Clay County Bank INC holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.39%.