Clay County State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107M | $94M | $46M | $12M | $356K | 1.34% | 12.09% | 3.43% | 4.40% |
| Q4 2025 | $106M | $93M | $47M | $12M | $396K | 1.30% | 12.57% | 3.35% | 4.34% |
| Q3 2025 | $103M | $91M | $46M | $12M | $270K | 1.23% | 12.12% | 3.29% | 4.09% |
| Q2 2025 | $101M | $89M | $46M | $11M | $367K | 1.32% | 13.60% | 3.33% | 3.69% |
| Q1 2025 | $105M | $94M | $46M | $10M | $323K | 1.21% | 13.15% | 3.22% | 3.25% |
| Q4 2024 | $109M | $99M | $47M | $9M | $343K | 1.18% | 13.28% | 3.09% | 3.01% |
| Q3 2024 | $102M | $91M | $45M | $11M | $333K | 1.15% | 12.79% | 3.00% | 1.77% |
| Q2 2024 | $103M | $93M | $46M | $9M | $330K | 1.08% | 12.73% | 2.94% | 2.15% |
| Q1 2024 | $105M | $96M | $46M | $9M | $231K | 0.89% | 10.72% | 2.87% | 2.46% |
| Q4 2023 | $104M | $95M | $49M | $9M | $274K | 1.27% | 17.27% | 3.25% | 1.36% |
| Q3 2023 | $110M | $102M | $47M | $8M | $407K | 1.34% | 18.82% | 3.25% | 1.25% |
| Q2 2023 | $109M | $100M | $48M | $8M | $438K | 1.26% | 17.76% | 3.27% | 2.43% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.