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Clear Mountain Bank
Bruceton Mills, WV · FDIC Certificate #2443 · Chartered 01/0
Total assets
$1.03B
Total deposits
$887.49M
Total equity
$118.28M
Net loans
$753.47M
Branches (offices)
12
Net income (YTD)
$8.29M
Rank: #1,025 of 4,213 U.S. banks by assets · #4 of 41 in West Virginia. Assets changed 4.8% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 14.00% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 11.53% |
| Tier 1 leverage ratio | 13.08% |
| Uninsured deposits (share of deposits) | 26.5% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 84.9% |
| Real estate loans (share of loans) | 88.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $662.77M | 88.0% | |
| Commercial & industrial | $61.03M | 8.1% | |
| Consumer / individual | $37.25M | 4.9% | |
| Construction & development | $69.34M | 9.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $856.43M | $770.51M | $4.32M | $79.58M |
| Jun 2023 | $938.71M | $784.90M | $4.40M | $85.90M |
| Jun 2024 | $998.70M | $812.14M | $5.43M | $97.06M |
| Jun 2025 | $979.48M | $865.61M | $6.72M | $105.50M |
| Jun 2026 | $1.03B | $887.49M | $8.29M | $118.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $805.61M | 11 |
| Maryland | $81.88M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $887.49M.
Similar-sized banks
Prevail Bank ($1.03B) · Clear Fork Bank, National Association ($1.03B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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