Clear Mountain Bank
Bruceton Mills, WV
IDRSSD: 886624
Total Assets
$997.60M
Latest filing
Total Deposits
$861.23M
Latest filing
Net Interest Margin
4.53%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Clear Mountain Bank
160 Morgantown St
Bruceton Mills, WV 26525
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1931FDIC Certificate 1598
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Clear Mountain Bank (Main) | 160 Morgantown St | Bruceton Mills, WV |
| REEDSVILLE OFFICE | 115 N Robert Stone Way | Reedsville, WV |
| KINGWOOD OFFICE | 330 E Main St | Kingwood, WV |
| PIERPONT CENTRE BRANCH | 102 Venture Dr | Morgantown, WV |
| SABRATON BRANCH | 1889 Earl L Core Rd | Morgantown, WV |
| OAKLAND BRANCH | 12730 Garrett Hwy | Oakland, MD |
| ROWLESBURG BRANCH | 30 E Main St | Rowlesburg, WV |
| SUNCREST BRANCH | 946 Maple Drive | Morgantown, WV |
Showing 7 of 10
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Charles Town
Charles Town, West Virginia
→
Assets: $919.25MΔ -6.1%
Pendleton Community Bank, Inc.
Franklin, West Virginia
→
Assets: $790.10MΔ -19.3%
Citizens Bank of West Virginia, Inc.
Elkins, West Virginia
→
Assets: $682.47MΔ -30.3%
CNB Bank, Inc.
Berkeley Springs, West Virginia
→
Assets: $673.72MΔ -31.2%
Putnam County Bank
Hurricane, West Virginia
→
Assets: $665.31MΔ -32.1%
The Poca Valley Bank, Inc.
Walton, West Virginia
→
Assets: $627.74MΔ -35.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26525 |
| State and County Number | 54077 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Morgantown, WV |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.clearmountain.bank |
| Data Updated | 11/14/2025 |
| CERT | 2443 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $997.60M |
| Total Deposits | $861.23M |
| Total Liabilities | $884.73M |
| Total Equity Capital | $112.87M |
| Net Income | $3.32M |
| Net Loans and Leases | $731.28M |
| Assets Per Employee ($Millions) | $6.52M |
| Bank Premises and Fixed Assets | $21.40M |
| Cash and Balances due from Depository Institutions | $25.60M |
| Deposits Held in Domestic Offices | $861.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 12.17% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 60.8% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.315% |
| Earning Assets to total Assets | 93.15% |
Income and Expense
| Total Interest Income | $14.20M |
| Total Noninterest Income | $2.12M |
| Total Interest Expense | $3.78M |
| Total Noninterest Expense | $7.63M |
| Net Interest Income | $10.42M |
| Pre-tax Net Operating Income | $4.34M |
| Provision for Credit Losses | $574.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $116.00k |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.50M |
| Total Liabilities and Capital | $997.60M |
Securities
| Securities | $183.29M |
| Available-for-sale debt securities | $169.34M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $13.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Clear Mountain Bank?
$997.60M as of the latest filing.
How much are Clear Mountain Bank's total deposits?
$861.23M in total deposits.
Where is Clear Mountain Bank located?
Bruceton Mills, WV.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$731.28M (latest filing).
What is the total interest income (latest filing)?
$14.20M.