What is Clear Mountain Bank's financial health grade?

Clear Mountain Bank has a TFS Financial Health Grade of C- (score: 71.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Clear Mountain Bank have?

Clear Mountain Bank has 12 branch locations across the United States.

Is Clear Mountain Bank FDIC insured?

Yes, Clear Mountain Bank is FDIC insured (Certificate #2443).

What are the total assets of Clear Mountain Bank?

Clear Mountain Bank has total assets of $984.9M as reported in its most recent FDIC filing.

Clear Mountain Bank

BankBruceton Mills, West Virginia

www.clearmountain.bank

Total Assets

$984.9M

Total Deposits

$853.4M

Branches

Established

1931

TFS Health Grade

C-

71.4 / 100

Average financial health

How we grade

Clear Mountain Bank is a bank headquartered in Bruceton Mills, West Virginia, established in 1931. With $984.9M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C- (71.4/100).

Capital & Safety

Tier 1 Capital Ratio

13.15%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.34%

Profitability

Return on Assets (ROA)

1.28%(1%)

Return on Equity (ROE)

11.73%(10%)

Net Interest Margin

4.43%

Efficiency Ratio

61.28%(60%)

Lending & Liquidity

Total Loans

$748.7M

Loan-to-Deposit Ratio

86.56%

Net Charge-Off Ratio

0.12%

Growth

Asset Growth (YoY)

+0.75%

Deposit Growth (YoY)

+2.96%

Net Income

$12.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Clear Mountain BankHQ	160 Morgantown St	Bruceton Mills	WV	11
Clear Mountain Bank	12730 Garrett Hwy	Oakland	MD	11
Clear Mountain Bank	15 Sweetbrier Ln	Bridgeport	WV	11
Clear Mountain Bank	330 E Main St	Kingwood	WV	11
Clear Mountain Bank	1889 Earl L Core Rd	Morgantown	WV	11
Clear Mountain Bank	102 Venture Dr	Morgantown	WV	11
Clear Mountain Bank	946 Maple Drive	Morgantown	WV	11
Clear Mountain Bank	115 N Robert Stone Way	Reedsville	WV	11
Clear Mountain Bank	41 S Buffalo St	Rowlesburg	WV	11
Clear Mountain Bank	86 Skidmore Lane	Sutton	WV	11
Clear Mountain Bank	1101 E State Ave	Terra Alta	WV	11
Clear Mountain Bank	241 Middletown Loop	White Hall	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.