Clear Mountain Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.84 percentage points in Q2 2026, from 113.82% to 121.66%. It was the largest change from Q1 2026 among the key lines here. 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). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Clear Mountain Bank, Inc. reported 86.07% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $763.9M |
| Net loans and leases | $753.5M |
| Loans held for sale | $2.4M |
| Loans to total assets | 74.44% |
| Loan-to-deposit ratio | 86.07% |
| Net loans to equity capital | 6.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.11% |
| Multifamily (5+ residential) | 4.65% |
| Commercial and industrial | 7.99% |
| Consumer | 4.88% |
| Credit cards | 0.26% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.66% |
| Construction concentration (Tier 1 capital + allowance) | 48.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.86% |
| Interest income on loans | $13.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $638.6M | $779.1M | 23.68% | 12.81% | 5.92% |
| Q4 2023 | $665.5M | $792.9M | 23.21% | 12.40% | 5.80% |
| Q1 2024 | $685.4M | $798.4M | 23.12% | 12.70% | 5.67% |
| Q2 2024 | $688.4M | $812.1M | 23.18% | 11.54% | 5.77% |
| Q3 2024 | $698.4M | $811.7M | 22.82% | 11.10% | 5.62% |
| Q4 2024 | $693.8M | $828.8M | 23.76% | 10.78% | 5.56% |
| Q1 2025 | $700.6M | $856.7M | 23.57% | 10.47% | 5.43% |
| Q2 2025 | $701.0M | $865.6M | 23.84% | 9.45% | 5.43% |
| Q3 2025 | $741.4M | $861.2M | 22.31% | 9.49% | 5.19% |
| Q4 2025 | $748.7M | $853.4M | 22.42% | 8.27% | 5.25% |
| Q1 2026 | $755.4M | $878.0M | 22.34% | 8.69% | 5.03% |
| Q2 2026 | $763.9M | $887.5M | 22.11% | 7.99% | 4.88% |
Clear Mountain Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Mountain Bank, Inc., freeSource: Call Report Schedule RC-C, 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)