BlastPoint's Banking Scorecard
Clear Mountain Bank
Community
Specialty: Commercial
WV
FDIC cert 2443
Bruceton Mills, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Clear Mountain Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$984.9M
+0.7% YoY
-1.3% QoQ
|
-$406.6M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$738.6M
+8.0% YoY
+1.0% QoQ
|
-$236.8M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$853.4M
+3.0% YoY
-0.9% QoQ
|
-$311.3M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.28%
+10.1% YoY
-5.4% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.43%
+15.7% YoY
+1.9% QoQ
|
+0.76% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
61.28%
-2.2% YoY
-1.0% QoQ
|
-1.35% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.34%
-22.5% YoY
+1.8% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
86.56%
+4.9% YoY
+1.9% QoQ
|
+3.50% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
29.30%
-0.3% YoY
-0.1% QoQ
|
+8.25% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.30%
-6.6% YoY
+16.1% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.80%
-3.3% YoY
+39.4% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#84 of 432 · Bottom 19% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.30% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.56% · Tier avg: 83.06%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
53
53th pctile
Efficiency Ratio
Current: 61.28% · Tier avg: 62.63%
53
53th pctile
Total Loans
Current: $738.6M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $853.4M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $984.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
49
49th pctile
Total Assets
Current: $984.9M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $853.4M · Tier avg: $1.2B
53
53th pctile
Total Loans
Current: $738.6M · Tier avg: $975.5M
53
53th pctile
Efficiency Ratio
Current: 61.28% · Tier avg: 62.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.56% · Tier avg: 83.06%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.30% · Tier avg: 21.05%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%