Clear Mountain Bank: how it compares with its peers
Against 8 WV banks with half to twice its assets, Clear Mountain Bank's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $6.9M).
| Measure | Clear Mountain Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.03% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 3.70% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.59% | 63.53% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.9M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.90% | 85.99% | Context |
What it means for lending operations
Its efficiency ratio of 57.59% is better than the 63.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Potomac Bank Charles Town, WV · $980M
- Pendleton Community Bank, Inc. Franklin, WV · $850M
- CNB Bank, Inc. Berkeley Springs, WV · $806M
- Citizens Bank of West Virginia, Inc. Elkins, WV · $772M
- Putnam County Bank Hurricane, WV · $704M
- The Poca Valley Bank, Inc. Walton, WV · $666M
Questions about Clear Mountain Bank
How big is Clear Mountain Bank?
Clear Mountain Bank, established in 1931, is headquartered in Bruceton Mills, WV. It reported $1.03B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Clear Mountain Bank's return on assets?
1.65% annualized in Q2 2026, against a 1.03% median for 8 WV banks with half to twice its assets, ahead of 88% of them.
What is Clear Mountain Bank's efficiency ratio?
57.59% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 63.53%, and lower is better.
Is Clear Mountain Bank growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.