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Clear Mountain Bank, Inc.

Bruceton Mills, WV · Cert 2443 · State Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Clear Mountain Bank, Inc.

Bruceton Mills, WV · Cert 2443 · State Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$1.0BAssets
$763.9MLoans
$887.5MDeposits
$118.3MEquity
Loan mix
86%RE $648.9M9%C&I $65.6M5%Consumer $38.0MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $615.7M31%Noninterest $271.8MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.56%Q2 ’255.61%Q2 ’26+16%+7%

Non-interest income vs. expense

2.65%Q2 ’242.95%Q2 ’252.94%Q2 ’26+19%-5%

Market Position · Morgantown, WV · 2026 SOD (annual) · 12.9% share · #3 of 13 inst. · $0.7B of $5.7B

7.5% Monongalia
64.8% Preston
10.0% Garrett
2.6% Harrison

Executive Summary

  • Earnings: ROA of 1.65%, up 28 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.30% of loans (-6 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 13.08%, down 5 bps from a year ago.
  • Funding: loans stand at 86.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+28 bps YoY

Efficiency Ratio (YTD, annualized)

57.59%-488 bps YoY

Tier 1 Leverage Ratio

13.08%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.36%1.28%1.53%1.65%+28 bps
Return on Equity13.03%12.68%11.73%12.88%14.00%+97 bps
Net Interest Margin3.98%4.04%3.99%4.22%4.26%+28 bps
Efficiency Ratio62.47%61.89%61.28%58.34%57.59%-488 bps
Non-Interest Burden2.21%2.20%2.14%2.14%2.10%-11 bps
Growth
Asset Growth (YoY)-1.92%1.57%0.75%1.98%4.76%+668 bps
Loan Growth (YoY)1.83%6.15%7.92%7.81%8.96%+712 bps
Deposit Growth (YoY)6.58%6.10%2.96%2.49%2.53%-406 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.33%0.34%0.34%0.30%-6 bps
Net Charge-Offs / Loans0.12%0.09%0.12%0.07%0.06%-6 bps
Allowance / Loans1.38%1.36%1.35%1.36%1.36%-2 bps
Allowance Coverage of NPLs3.9x4.1x4.0x4.0x4.6x+0.7x
Capital
Tier 1 Leverage Ratio13.13%13.36%13.15%13.60%13.08%-5 bps
Total Risk-Based Capital13.13%13.36%13.15%13.60%13.08%-5 bps
Equity / Assets10.77%11.31%11.94%11.81%11.53%+76 bps
Liquidity & Funding
Loans / Deposits80.99%86.08%87.74%86.03%86.07%+508 bps
Liquid Assets / Assets5.11%2.87%2.16%4.69%5.01%-10 bps
CRE / Total Capitaln/a200%204%195.45%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Clear Mountain Bank, Inc.

Bruceton Mills, WV · Cert 2443 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · State Bcorp Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$1.0BAssets
$763.9MLoans
$887.5MDeposits
$118.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets operating regionally (rank 18 of 174).
  • Widest gap: total risk-based capital ratio trails 60% of banks $1B-$10B in assets operating regionally (rank 104 of 174).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.62%

Rank 33 of 174

Net Interest Margin

4.26%

Rank 18 of 174

Efficiency Ratio

57.59%

Rank 76 of 174

Equity / Assets

11.53%

Rank 47 of 174

Non-interest income vs. expense

$8.6M$30.1MINCOMEEXPENSE
Unfavorable gap of $21.4M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally
Bank 57.59%Peer median 59.2%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.93%1.27%1.52%Beats 81%33 / 174
Return on Equity14.02%9.26%11.89%14.41%Beats 70%52 / 174
Net Interest Margin4.26%3.22%3.56%3.91%Beats 90%18 / 174
Efficiency Ratio57.59%51.59%59.21%67.02%Beats 57%76 / 174
Asset Quality
Nonperforming Loans / Loans0.30%0.29%0.60%1.18%Beats 74%46 / 174
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 44%99 / 174
Capital
Tier 1 Capital Ratio13.08%11.19%12.82%14.11%Beats 56%77 / 174
Total Risk-Based Capital Ratio13.08%11.81%13.70%15.33%Beats 40%104 / 174
Equity / Assets11.53%9.15%10.31%11.72%Beats 73%47 / 174
Liquidity & Funding
Loans / Deposits86.07%80.93%90.31%97.12%39th pctl106 / 174
Loans / Assets74.44%69.01%75.52%80.85%46th pctl94 / 174
Brokered Deposits / Depositsn/aNot reported for this institution