Side-by-side · Q2 2026 data
Clay County Bank, Inc. vs The Poca Valley Bank, Inc.
Metric by metric
| Measure | Clay County Bank, Inc. | The Poca Valley Bank, Inc. |
|---|---|---|
| TellerScore | 91 (stronger) | 61 |
| Capital cushion | 98 (stronger) | 28 |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 70 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 96th | 20th |
| Total assets | $135.9M | $666.2M |
| Deposits / shares | $116.2M | $603.3M |
| Capital ratio | 14.80% (stronger) | 7.78% |
| Problem loans | 0.28% (stronger) | 0.37% |
| Net charge-offs | 0.13% | 0.07% (stronger) |
| Return on assets | 1.26% (stronger) | 0.72% |
| Loans ÷ deposits | 55.9% (stronger) | 83.3% |
| Uninsured deposits | 14.2% | 12.5% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 13.2% |
Clay County Bank, Inc. has the higher TellerScore (91 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Clay County Bank, Inc. leads on 5 and The Poca Valley Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.