Side-by-side · Q2 2026 data
Clay County Bank, Inc. vs Whitesville State Bank
Metric by metric
| Measure | Clay County Bank, Inc. | Whitesville State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 65 |
| Capital cushion | 98 (stronger) | 50 |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 70 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 96th | 29th |
| Total assets | $135.9M | $137.6M |
| Deposits / shares | $116.2M | $126.3M |
| Capital ratio | 14.80% (stronger) | 9.96% |
| Problem loans | 0.28% (stronger) | 0.65% |
| Net charge-offs | 0.13% (stronger) | 0.18% |
| Return on assets | 1.26% (stronger) | 0.53% |
| Loans ÷ deposits | 55.9% (stronger) | 59.8% |
| Uninsured deposits | 14.2% (stronger) | 22.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 27.1% |
Clay County Bank, Inc. has the higher TellerScore (91 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Clay County Bank, Inc. leads on 7 and Whitesville State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.