Security National Trust Co vs Clay County Bank INC
Side-by-side bank health comparison using FDIC financial data
Security National Trust Co (A) and Clay County Bank INC (A) are close on the BankHealth rubric. Asset bases: $8M 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
Security National Trust Co has a stronger Bank Health Score of 100/100 (A) compared to Clay County Bank INC at 96/100 (A), a difference of 4 points. Security National Trust Co holds a Tier 1 capital ratio of 101.2% and an NPL ratio of 0.00%.
| Metric | Security National Trust Co | Clay County Bank INC |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 101.2%* | 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 | 71.3%* | 47.8% |
| Return on Assets Profitability metric (above 1% is strong) | 26.7%* | 1.6% |
| Total Assets | $8M | $123M |
| Total Deposits | $0 | $106M |
| Location | Wheeling, West Virginia | Clay, West Virginia |
Security National Trust Co has a stronger Bank Health Score of 100/100 (A) compared to Clay County Bank INC at 96/100 (A), a difference of 4 points. Security National Trust Co holds a Tier 1 capital ratio of 101.2% and an NPL ratio of 0.00%.