Clear Mountain Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 9.63 percentage points in Q2 2026, from 159.79% to 169.43%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Clear Mountain Bank, Inc. is 5th of 41 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Clear Mountain Bank, Inc. sits 0.47 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.08% |
| Equity capital to assets | 11.53% |
| Tangible equity to tangible assets | 11.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 4.86% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 169.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 15.05% |
| Net interest margin | 4.57% |
| Efficiency ratio | 56.18% |
| Yield on earning assets | 5.96% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.07% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.49% |
| Securities to assets | 15.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.09% | 1.02% | 3.53% | 0.30% | -0.02% |
| Q4 2023 | 12.22% | 1.04% | 3.55% | 0.42% | 0.04% |
| Q1 2024 | 12.01% | 0.99% | 3.59% | 0.23% | 0.04% |
| Q2 2024 | 12.07% | 1.22% | 3.63% | 0.83% | 0.07% |
| Q3 2024 | 12.06% | 1.21% | 3.76% | 0.80% | 0.18% |
| Q4 2024 | 12.59% | 1.20% | 4.02% | 0.91% | 0.16% |
| Q1 2025 | 12.87% | 1.35% | 4.03% | 0.47% | 0.19% |
| Q2 2025 | 13.13% | 1.40% | 4.33% | 0.41% | 0.05% |
| Q3 2025 | 13.36% | 1.34% | 4.40% | 0.58% | 0.05% |
| Q4 2025 | 13.15% | 1.03% | 4.49% | 0.55% | 0.19% |
| Q1 2026 | 13.60% | 1.51% | 4.49% | 0.85% | 0.07% |
| Q2 2026 | 13.08% | 1.75% | 4.57% | 0.80% | 0.05% |
Clear Mountain Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Mountain Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)