Clear Mountain Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clear Mountain Bank, Inc. of Bruceton Mills, WV against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.75% | 1.43% | +0.32% | 79th top |
| ROAE | 15.05% | 12.50% | +2.55% | 71st above |
| Net Interest Margin | 4.57% | 3.84% | +0.73% | 90th top |
| Efficiency Ratio | 56.18% | 58.87% | -2.69% | 58th above |
| PPNR / Avg Assets | 2.26% | 1.78% | +0.48% | 80th top |
| Yield on Earning Assets | 5.96% | 5.71% | +0.25% | 74th above |
| Cost of Funds | 1.55% | 2.03% | -0.48% | 78th top |
| Net Interest Spread | 3.76% | 3.18% | +0.58% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.96% | -0.16% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.75% | -0.14% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.31% | -0.26% | 42nd below |
| ACL / Total Loans | 1.36% | 1.25% | +0.11% | 77th top |
| ACL / NPLs (Coverage) | 169.43% | 699.43% | -530.00% | 48th below |
| Texas Ratio | 4.86% | 7.16% | -2.30% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 234.63% | 815.30% | -580.67% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.08% | 11.59% | +1.49% | 85th top |
| Equity / Assets | 11.53% | 11.33% | +0.20% | 68th above |
| TCE / Tangible Assets | 11.53% | 10.65% | +0.88% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.07% | 86.35% | -0.28% | 56th above |
| Core Deposit Ratio | 93.83% | 85.55% | +8.28% | 78th top |
| Wholesale Funding Ratio | 0.49% | 5.46% | -4.97% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.76% | 10.46% | -5.70% | 47th below |
| Loan Growth (Y/Y) | 8.96% | 7.99% | +0.97% | 69th above |
| Deposit Growth (Y/Y) | 2.53% | 7.98% | -5.45% | 34th below |
See Clear Mountain Bank, Inc.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clear Mountain Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clear Mountain Bank, Inc. profile, how to read a UBPR, or how this data updates.