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
Unfavorable gap of $21.4M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.93% | 1.27% | 1.52% | Beats 81% | 33 / 174 | |
| Return on Equity | 14.02% | 9.26% | 11.89% | 14.41% | Beats 70% | 52 / 174 | |
| Net Interest Margin | 4.26% | 3.22% | 3.56% | 3.91% | Beats 90% | 18 / 174 | |
| Efficiency Ratio | 57.59% | 51.59% | 59.21% | 67.02% | Beats 57% | 76 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.29% | 0.60% | 1.18% | Beats 74% | 46 / 174 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 44% | 99 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 11.19% | 12.82% | 14.11% | Beats 56% | 77 / 174 | |
| Total Risk-Based Capital Ratio | 13.08% | 11.81% | 13.70% | 15.33% | Beats 40% | 104 / 174 | |
| Equity / Assets | 11.53% | 9.15% | 10.31% | 11.72% | Beats 73% | 47 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 86.07% | 80.93% | 90.31% | 97.12% | 39th pctl | 106 / 174 | |
| Loans / Assets | 74.44% | 69.01% | 75.52% | 80.85% | 46th pctl | 94 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |