Side-by-side · Q2 2026 data
Clay County Bank, Inc. vs City National Bank of West Virginia
Metric by metric
| Measure | Clay County Bank, Inc. | City National Bank of West Virginia |
|---|---|---|
| TellerScore | 91 (stronger) | 78 |
| Capital cushion | 98 (stronger) | 46 |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 70 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 96th | 86th |
| Total assets | $135.9M | $6.8B |
| Deposits / shares | $116.2M | $5.4B |
| Capital ratio | 14.80% (stronger) | 9.65% |
| Problem loans | 0.28% | 0.22% (stronger) |
| Net charge-offs | 0.13% | 0.05% (stronger) |
| Return on assets | 1.26% | 1.96% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 82.7% |
| Uninsured deposits | 14.2% (stronger) | 16.7% |
| Offices | 1 | 95 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 27.3% |
Clay County Bank, Inc. has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Clay County Bank, Inc. leads on 4 and City National Bank of West Virginia on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.