Clear Mountain Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings dropped 1.43 percentage points in Q2 2026, from 3.99% to 2.56%. 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 net interest margin, 4.57% as of Q2 2026, above the middle of the field. Clear Mountain Bank, Inc. reported 4.57% on net interest margin for Q2 2026, 0.86 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 2.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.05% | 1.32% | 3.53% |
| Q4 2023 | 5.23% | 1.48% | 3.55% |
| Q1 2024 | 5.42% | 1.61% | 3.59% |
| Q2 2024 | 5.52% | 1.82% | 3.63% |
| Q3 2024 | 5.72% | 2.13% | 3.76% |
| Q4 2024 | 5.80% | 1.95% | 4.02% |
| Q1 2025 | 5.71% | 1.83% | 4.03% |
| Q2 2025 | 5.92% | 1.73% | 4.33% |
| Q3 2025 | 5.97% | 1.73% | 4.40% |
| Q4 2025 | 6.05% | 1.71% | 4.49% |
| Q1 2026 | 5.93% | 1.62% | 4.49% |
| Q2 2026 | 5.96% | 1.55% | 4.57% |
Clear Mountain Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Mountain Bank, Inc., freeSource: Call Report Schedules RI and RC-K, 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)