Clear Mountain Bank, Inc.
Bruceton Mills, WV · Cert 2443 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 176).
- Widest gap: total risk-based capital ratio trails 58% of banks $1B-$10B in assets operating regionally (rank 102 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.62%
Rank 35 of 176
Net Interest Margin
4.26%
Rank 18 of 176
Efficiency Ratio
57.59%
Rank 73 of 176
Equity / Assets
11.53%
Rank 49 of 176
Non-interest income vs. expense
Unfavorable gap of $21.4M · efficiency ratio beats 59% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.93% | 1.26% | 1.54% | Beats 80% | 35 / 176 | | |
| Return on Equity | 14.02% | 9.26% | 11.89% | 14.46% | Beats 69% | 54 / 176 | | |
| Net Interest Margin | 4.26% | 3.25% | 3.59% | 3.93% | Beats 90% | 18 / 176 | | |
| Efficiency Ratio | 57.59% | 52.79% | 59.55% | 67.66% | Beats 59% | 73 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.64% | 1.32% | Beats 76% | 43 / 176 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 45% | 97 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 11.15% | 12.72% | 14.15% | Beats 59% | 73 / 176 | | |
| Total Risk-Based Capital Ratio | 13.08% | 11.81% | 13.63% | 15.33% | Beats 42% | 102 / 176 | | |
| Equity / Assets | 11.53% | 9.16% | 10.35% | 11.80% | Beats 72% | 49 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.07% | 80.94% | 89.73% | 97.21% | 39th pctl | 108 / 176 | | |
| Loans / Assets | 74.44% | 69.25% | 75.12% | 80.82% | 47th pctl | 93 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |