BlastPoint's Banking Scorecard

Clear Mountain Bank

$1B-$10B Specialty: Commercial WV FDIC cert 2443

Designations: ✓ Community bank

Bruceton Mills, WV

12 branches across WV · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in WV.
Deposits +2.5% year over year ($887.5M on the books).
Delinquency rate 0.30%.
Return on assets 1.65%.
Efficiency ratio 57.59% vs a 59.73% peer average.
Loan-to-deposit ratio 84.90% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 3 in WV

View $1B-$10B leaderboard (WV) →

Clear Mountain Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 60.0% in tier
+ ROA 0.25% above tier average
+ Efficiency Ratio 2.13% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Clear Mountain Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$1.0B +4.8% YoY +1.4% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	Bottom 2.3% in tier
Total Loans ?	$753.5M +9.0% YoY +1.1% QoQ	-$1.2B	$2.0B -0.3% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	Bottom 10.8% in tier
Total Deposits ?	$887.5M +2.5% YoY +1.1% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	Bottom 6.0% in tier
Return on Assets ?	1.65% +20.3% YoY +7.6% QoQ	+0.25%	1.39% +17.0% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	4.64% +8.9% YoY +0.8% QoQ	+0.77%	3.87% +6.2% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	Top 9.7% in tier
Efficiency Ratio ?	57.59% -7.8% YoY -1.3% QoQ	-2.13%	59.73% -12.6% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	0.30% -15.9% YoY -11.7% QoQ	-0.57%	0.87% +11.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	84.90% +6.3% YoY +0.0% QoQ	-0.14%	85.04% -0.1% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	30.63% +1.0% YoY +4.9% QoQ	+9.35%	21.27% -1.5% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	Top 14.2% in tier
Nonperforming Asset Ratio ?	0.23% -12.1% YoY -20.7% QoQ	-0.44%	0.67% +11.7% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	13.08% -0.4% YoY -3.8% QoQ	-1.76%	14.84% -0.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.42% +13.3% YoY +118.4% QoQ	-0.11%	0.53% +2.5% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	30.6% +0.3pp YoY +1.4pp QoQ	+9.3pp	21.4%	27.1%	22.2%	86%
Brokered Deposits	n/a	n/a	9.5%	3.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	8.1% -1.5pp YoY -0.7pp QoQ	-5.9pp	14.0%	7.1%	12.5%	35%
CRE	36.3% +0.1pp YoY +0.2pp QoQ	-13.7pp	50.0%	33.8%	41.4%	18%
1-4 Family	51.5% +1.9pp YoY +0.7pp QoQ	+25.0pp	26.4%	52.8%	31.3%	91%
Consumer	4.9% -0.6pp YoY -0.2pp QoQ	+0.2pp	4.7%	7.9%	5.0%	81%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.1%	19.7%	n/a
Leverage Ratio	13.1% 0.0pp YoY -0.5pp QoQ	+1.8pp	11.3%	11.6%	12.6%	85%
Total Capital Ratio	n/a	n/a	16.7%	18.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	153 -1 (-0.6%) YoY +8 (+5.5%) QoQ	-161	313	161	482	23%
Assets per Employee ($)	$6.7M +5.4% YoY -3.9% QoQ	-$3.8M	$10.5M	$6.1M	$8.8M	20%
Branch Count	12 +1 (+9.1%) YoY 0 QoQ	-8	20	13	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.4%	2%
Nonaccrual	0.3% -0.1pp YoY 0.0pp QoQ	-0.5pp	0.8%	0.7%	1.0%	32%
Allowance Coverage	4.59x +16.7% YoY +13.4% QoQ	-14.12x	18.71x	6.60x	20.23x	76%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	14.0% +1.0pp YoY +1.1pp QoQ	+1.4pp	12.6%	10.6%	11.6%	66%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.5%	1.7%	21%
Net Income ($, YTD)	$8.3M +23.3% YoY — QoQ	-$11.0M	$19.2M	$9.0M	$40.4M	31%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#49 of 80 • Top 60.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 30.63%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.64%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.87%

#87 of 885 Top 9.7% in $1B-$10B

127

Non-Interest-Bearing Deposit Share

funding

Value: 30.63%

Peer Median: 21.27%

#127 of 885 Top 14.2% in $1B-$10B

210

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.39%

#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (3 metrics)

866

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#866 of 885 Bottom 2.3% in $1B-$10B

833

Total Deposits

size

Value: $887.49M

Peer Median: $2.32B

#833 of 885 Bottom 6.0% in $1B-$10B

790

Total Loans

size

Value: $753.47M

Peer Median: $1.96B

#790 of 885 Bottom 10.8% in $1B-$10B