Clear Mountain Bank, Inc.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.4. A current level of 1.7 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (18%), comm re (17%), comm loans (7%), consumer loans (4%), cash (3%), home eq lns (3%), other (15%)
States with Branches:
MD, WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
State Bancorp, Inc.
Investment Rating
--
Address
160 Morgantown Street
Bruceton Mills, WV 26525
Bruceton Mills, WV 26525
Phone Number
(304) 379-2265
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.