CLEAR MOUNTAIN BANK, INC.

BRUCETON MILLS, WV | Medium | Est. Jan. 1, 1931, midnight | FDIC #2443 | RSSD #886624 | FED
Latest Report: 2025-12-31

CLEAR MOUNTAIN BANK, INC. is amn medium FDIC-insured commercial bank headquartered in BRUCETON MILLS, WV, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $985M and total deposits of $853M. Profitability stands at 1.06% ROA and 9.10% ROE, with a net interest margin of 4.70%. The bank's CET1 capital ratio is 11.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.31%. FDIC Certificate #2443.

Assets

$985M

Deposits

$853M

Loans

$749M

Equity

$118M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 9.10%
Net Interest Margin (NIM) 4.70%
Yield on Assets 6.36%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.12%
Texas Ratio 2.31%
NPA Ratio 0.30%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 11.86%
Tier 1 Capital 11.86%
Total Capital Ratio 12.46%
Leverage Ratio 13.15%
Loan-to-Deposit 87.74%

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