Side-by-side · Q2 2026 data
Clear Mountain Bank vs First Exchange Bank
Metric by metric
| Measure | Clear Mountain Bank | First Exchange Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 49 |
| Capital cushion | 81 (stronger) | 40 |
| Loan quality | 90 (stronger) | 30 |
| Earnings | 86 (stronger) | 57 |
| Funding & liquidity | 63 | 79 (stronger) |
| Problem-loan coverage | 96 (stronger) | 65 |
| Peer percentile | 94th | 6th |
| Total assets | $1.0B | $391.1M |
| Deposits / shares | $887.5M | $356.5M |
| Capital ratio | 13.08% (stronger) | 8.96% |
| Problem loans | 0.30% (stronger) | 2.10% |
| Net charge-offs | 0.06% | -0.03% (stronger) |
| Return on assets | 1.65% (stronger) | 0.93% |
| Loans ÷ deposits | 84.9% | 81.4% (stronger) |
| Uninsured deposits | 26.5% | 14.0% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | 35.4% |
Clear Mountain Bank has the higher TellerScore (83 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Clear Mountain Bank leads on 4 and First Exchange Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Morgantown, WV
- White Hall, WV