TellerScore

Headquartered in Bruceton Mills, West Virginia, Clear Mountain Bank is a state-chartered bank (fed member) with $1.0B in total assets and $887.5M in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1931.

Clear Mountain Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 94% of its 897 banks with $1 billion – $10 billion. Among 40 banks headquartered in West Virginia, it ranks 6th. Problem-loan coverage contributes the most (96/100, 1.8%); funding & liquidity contributes the least (63/100, 85% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.08%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 84.9% · 26.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the earnings component improved by 11 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202477
Q1 202580
Q2 202581
Q3 202582
Q4 202580
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%9.30%13.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.07%
Q3 202412.06%
Q4 202412.59%
Q1 202512.87%
Q2 202513.13%
Q3 202513.36%
Q4 202513.15%
Q1 202613.60%
Q2 202613.08%
Noncurrent loans
0.30%0.37%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.34%
Q4 20240.44%
Q1 20250.41%
Q2 20250.35%
Q3 20250.33%
Q4 20250.34%
Q1 20260.34%
Q2 20260.30%
Return on assets
1.11%1.38%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.15%
Q4 20241.17%
Q1 20251.34%
Q2 20251.37%
Q3 20251.36%
Q4 20251.28%
Q1 20261.53%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.0B13.08%0.30%1.65%84.9%
Q1 202683$1.0B13.60%0.34%1.53%84.9%
Q4 202580$984.9M13.15%0.34%1.28%86.6%
Q3 202582$997.6M13.36%0.33%1.36%84.9%
Q2 202581$979.5M13.13%0.35%1.37%79.9%
Q1 202580$992.1M12.87%0.41%1.34%80.7%
Q4 202477$977.6M12.59%0.44%1.17%82.5%
Q3 202476$982.1M12.06%0.34%1.15%84.8%
Q2 202476$998.7M12.07%0.33%1.11%83.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.08%
85th
Total risk-based capital0.00%
13th
Problem loans0.30%
68th
Net charge-offs0.06%
39th
Return on assets1.65%
77th
Net interest margin4.64%
90th
Efficiency ratio57.6%
56th
Loans to deposits84.9%
56th
Uninsured deposits26.5%
65th
Loan-loss reserves1.36%
77th
Texas ratio1.8%
71st

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
MVB Bank, IncBank Fairmont, WV63 out of 100, Moderate$3.5B10.3%1.18%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs

Deposit insurance

Is my money safe at Clear Mountain Bank?

Yes. Clear Mountain Bank is an FDIC-insured institution (FDIC certificate #2443). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($235.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Clear Mountain Bank lists 11 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Clear Mountain Bank reported 516 home-loan applications under HMDA (LEI 549300KNZ6E1MM7RQQ04): 411 originated ($148,195,000 total), 31 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Clear Mountain Bank
Former names
Bruceton Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
2443
RSSD ID
886624
Primary regulator
FED
Holding company
State Bcorp Inc
Established
January 1, 1931
Headquarters
160 Morgantown St, Bruceton Mills, WV 26525
Employees
153

Quick answers

Clear Mountain Bank: common questions

Is Clear Mountain Bank FDIC insured?

Yes. Clear Mountain Bank is an FDIC-insured institution (FDIC certificate #2443). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Clear Mountain Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Clear Mountain Bank ever failed?

There is no failure record for FDIC certificate #2443 in the FDIC failed bank list.

How many branches does Clear Mountain Bank have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bruceton Mills

InstitutionScoreAssetsCapitalProblem loansCompare
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Fayette County School Employees Credit UnionCredit union Uniontown, PA90 out of 100, Very strong$22.2M20.0%0.89%vs
Citizens Bank of Morgantown, Inc.Bank Morgantown, WV87 out of 100, Very strong$52.6M18.8%0.09%vs
Wepco Federal Credit UnionCredit union Bloomington, MD86 out of 100, Very strong$399.3M15.5%0.98%vs
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs