BlastPoint's Banking Scorecard
Clear Mountain Bank
Designations: ✓ Community bank
Bruceton Mills, WV
12 branches across WV · MD
Clear Mountain Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 66.3% in tier
- + ROA 0.16% above tier average
- + Efficiency Ratio 2.72% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+2.0% YoY
+2.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.4% in tier |
| Total Loans ? |
$745.1M
+7.8% YoY
+0.9% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$878.0M
+2.5% YoY
+2.9% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.1% in tier |
| Return on Assets ? |
1.53%
+14.5% YoY
+19.1% QoQ
|
+0.16% |
1.37%
+19.6% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.61%
+13.2% YoY
+4.1% QoQ
|
+0.79% |
3.82%
+6.9% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
Top 9.7% in tier |
| Efficiency Ratio ? |
58.34%
-7.5% YoY
-4.8% QoQ
|
-2.72% |
61.06%
-4.6% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
0.34%
-17.8% YoY
-0.8% QoQ
|
-0.55% |
0.89%
+14.1% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
84.86%
+5.2% YoY
-2.0% QoQ
|
+0.66% |
84.20%
+0.3% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
29.21%
-4.2% YoY
-0.3% QoQ
|
+7.92% |
21.29%
-2.5% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.29%
-2.4% YoY
-2.6% QoQ
|
-0.38% |
0.67%
+15.6% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.60%
+5.6% YoY
+3.4% QoQ
|
-1.56% |
15.16%
+2.0% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.19%
+7.5% YoY
-76.1% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
70% |
Get Full Access to Clear Mountain Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.