Clear Mountain Bank
Bruceton Mills, WV
IDRSSD: 886624
Total Assets
$984.88M
Latest filing
Total Deposits
$853.35M
Latest filing
Net Interest Margin
4.65%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051502599BRUCETON MILLS, WV
Key People
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Locations
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Main Office
Clear Mountain Bank
160 Morgantown St
Bruceton Mills, WV 26525
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 41 S Buffalo St | Rowlesburg, WV |
| SUNCREST BRANCH | 946 Maple Drive | Morgantown, WV |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 153 |
| 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 | 01/30/2026 |
| CERT | 2443 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $984.88M |
| Total Deposits | $853.35M |
| Total Liabilities | $867.32M |
| Total Equity Capital | $117.56M |
| Net Income | $2.62M |
| Net Loans and Leases | $738.64M |
| Assets Per Employee ($Millions) | $6.35M |
| Bank Premises and Fixed Assets | $22.10M |
| Cash and Balances due from Depository Institutions | $16.75M |
| Deposits Held in Domestic Offices | $853.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.06% |
| Return on Equity (ROE) | 9.1% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 59.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.937% |
| Earning Assets to total Assets | 93.01% |
Income and Expense
| Total Interest Income | $14.51M |
| Total Noninterest Income | $2.16M |
| Total Interest Expense | $3.79M |
| Total Noninterest Expense | $7.68M |
| Net Interest Income | $10.72M |
| Pre-tax Net Operating Income | $4.72M |
| Provision for Credit Losses | $485.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $425.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.97M |
| Total Liabilities and Capital | $984.88M |
Securities
| Securities | $170.01M |
| Available-for-sale debt securities | $156.16M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $13.85M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Clear Mountain Bank?
$984.88M as of the latest filing.
How much are Clear Mountain Bank's total deposits?
$853.35M in total deposits.
Where is Clear Mountain Bank located?
Bruceton Mills, WV.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$738.64M (latest filing).
What is the total interest income (latest filing)?
$14.51M.