B
Clear Mountain Bank, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Clear Mountain Bank, Inc.
Bruceton Mills, WV
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Rating B
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 1.90
Profitability Index 6.20
Stability Index 5.00
Company Info Clear Mountain Bank, Inc.
Bruceton Mills, WV
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FDIC Number 2443
Phone Number (304) 379-2265
Website www.clearmountain.bank
Asset Quality Clear Mountain Bank, Inc.
Bruceton Mills, WV
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1-Year Asset Growth 1.57%
5-Year Asset Growth 10.14%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.44%
Non-Performing Loans to Capital 1.73%
Non-Performing Loans to Loans 0.58%
Balance Sheet Clear Mountain Bank, Inc.
Bruceton Mills, WV
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Total Assets 997.60M
Total Deposits 861.23M
Capital and Reserves Clear Mountain Bank, Inc.
Bruceton Mills, WV
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Capital 112.87M
Leverage Ratio 13.36
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio --
Liquidity Clear Mountain Bank, Inc.
Bruceton Mills, WV
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Hot Money Ratio 15.49%
Liquidity Ratio 22.28%
Profitability Clear Mountain Bank, Inc.
Bruceton Mills, WV
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5-Year Return on Average Assets 1.19%
Net Income 10.04M
Net Interest Spread 4.26%
Operating Profit to Average Assets 1.65%
Overhead Efficiency Ratio 61.89%
Return on Assets 1.36%
Return on Equity 12.73%