Clear Mountain Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The largest change between Q1 2026 and Q2 2026 was in Cash and balances due from depository institutions, which rose 3.5% to $44.0M. Clear Mountain Bank, Inc. ranks 16th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 86.07% (Q2 2026). At 86.07%, Clear Mountain Bank, Inc.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.07% |
| Net loans and leases to deposits | 84.90% |
| Loans and leases to core deposits | 91.73% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.97% | 94.70% | $0 | $60.0M |
| Q4 2023 | 83.94% | 94.40% | $0 | $58.0M |
| Q1 2024 | 85.84% | 93.77% | $0 | $80.0M |
| Q2 2024 | 84.77% | 94.31% | $0 | $80.0M |
| Q3 2024 | 86.04% | 93.65% | $0 | $58.0M |
| Q4 2024 | 83.71% | 93.57% | $0 | $40.0M |
| Q1 2025 | 81.78% | 93.68% | $0 | $25.0M |
| Q2 2025 | 80.99% | 93.61% | $0 | $0 |
| Q3 2025 | 86.08% | 93.31% | $0 | $15.0M |
| Q4 2025 | 87.74% | 93.46% | $0 | $5.0M |
| Q1 2026 | 86.03% | 93.77% | $0 | $5.0M |
| Q2 2026 | 86.07% | 93.83% | $0 | $5.0M |
Clear Mountain Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Mountain Bank, Inc., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clear Mountain Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2443) · FFIEC NIC profile (RSSD 886624)