Side-by-side · Q2 2026 data
Clear Mountain Bank vs Citizens Bank of Morgantown, Inc.
Bank
Citizens Bank of Morgantown, Inc.
Morgantown, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Clear Mountain Bank | Citizens Bank of Morgantown, Inc. |
|---|---|---|
| TellerScore | 83 | 87 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 90 | 97 (stronger) |
| Earnings | 86 (stronger) | 65 |
| Funding & liquidity | 63 | 67 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 94th | 84th |
| Total assets | $1.0B | $52.6M |
| Deposits / shares | $887.5M | $42.5M |
| Capital ratio | 13.08% | 18.79% (stronger) |
| Problem loans | 0.30% | 0.09% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 1.13% |
| Loans ÷ deposits | 84.9% (stronger) | 91.6% |
| Uninsured deposits | 26.5% | 16.6% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Citizens Bank of Morgantown, Inc. has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Clear Mountain Bank leads on 2 and Citizens Bank of Morgantown, Inc. on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.