Total Assets
$985M
Total balance-sheet footings
FDIC Cert #2443 · Bruceton Mills, West Virginia · Est. 1931
Clear Mountain Bank - FDIC Bank Health Profile
A community-scale look at Clear Mountain Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $985M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Clear Mountain Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.15% Tier 1, profitable at 1.28% ROA, 61% efficiency ratio.
- #1,058
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 13.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Clear Mountain Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Clear Mountain Bank's composite health score
Tier 1 Capital Ratio (13.15%) 35/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (1.99%) 20/20
Efficiency Ratio (61.28%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$853M
Customer-funded liabilities
Net Loans
$739M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Clear Mountain Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Clear Mountain Bank's score of 83/100 falls in the highlighted band.
Clear Mountain Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Clear Mountain Bank's $985M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.15%
Texas Ratio
1.99%
Equity Capital
$118M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
11.73%
Efficiency Ratio
61.28%
What the numbers say about Clear Mountain Bank
Clear Mountain Bank is an FDIC-insured institution (Certificate #2443) headquartered in Bruceton Mills, West Virginia, established in 1931. It holds $985M in total assets - 1,058th of 4,313 FDIC-insured banks, $853M in customer deposits, and $739M in net loans. Looking at capital strength, Tier 1 stands at 13.15%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.99%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within West Virginia, Clear Mountain Bank ranks 4th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$56M
Interest Income
$8M
Non-Interest Income
$30M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Clear Mountain Bank reports a Texas Ratio of 1.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Clear Mountain Bank (FDIC Cert #2443) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
| Putnam County BankHurricane | $651M | B | 0.88% |
Frequently asked questions
What is Clear Mountain Bank's health grade?▼
Clear Mountain Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Clear Mountain Bank?▼
Clear Mountain Bank holds $985M in total assets and $853M in deposits, ranking 1,058th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bruceton Mills, West Virginia.
Is my money safe at Clear Mountain Bank?▼
Yes, deposits at Clear Mountain Bank (Certificate #2443) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Clear Mountain Bank's Tier 1 Capital Ratio?▼
Clear Mountain Bank has a Tier 1 Capital Ratio of 13.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Clear Mountain Bank?▼
Clear Mountain Bank has a Texas Ratio of 1.99%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Clear Mountain Bank?▼
Clear Mountain Bank has an Efficiency Ratio of 61.28%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Clear Mountain Bank's profile as a depositor or analyst.
- Clear Mountain Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Clear Mountain Bank against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.