# CLEAR MOUNTAIN BANK
BRUCETON MILLS, WV · FDIC certificate 2443 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.03B | |
| Deposits | $887.5M | |
| Loans and leases | $763.9M | |
| Total equity | $118.3M | |
| Loans / deposits | 84.90% (p45 of band) | 87.10% |
| Liquid assets / assets | 20.28% (p47 of band) | |
| Uninsured deposits / deposits | 26.47% (p35 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.49% (p19 of band) | |
| FHLB advances / assets | 0.49% | |
| Tier 1 leverage | 13.08% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -16.77% (p25 of band) | -7.75% |
| AOCI / equity | 0.74% (p95 of band) | |
| ROA (annualized) | 1.65% (p76 of band) | 1.26% |
| Net interest margin | 4.64% (p90 of band) | 3.70% |
| Efficiency ratio | 57.59% (p45 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 458.75% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 58.62% (p62 of band) | |
| Auto loans | $9.4M (1.23% of loans; DQ 0.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 153 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-19 [Clear Mountain Bank opens first-ever Marion County branch - wboy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeTE1d1Q1ejdMX2NZbFd6QmNhUHQ3STdGcUVoVk5NSU9ZLThvOWt0QWZVckdNQTJYX2ZnY1JjVDBoS1oycGhkSkxNMFFWdko1Sy1DSHBEbkYyZWZLRmJlM05jRTRGdlJRWV9LRDJ1OHM2NXdUWlRVUW1lOUpqVnQyRnJ2dGY4WGthUFZQaHBUX1k3TEhfU0HSAZsBQVVfeXFMT3d4Nlk5d3BLSTg5ZjlIbFREa0lyQS16c2xqSk40a1RYN3Vac2NMR0xSSko1MmFhRG4tc3VOc1lrOEpzemhMVUFuem5rQWFfdHFXWkUyckhkdFVOaGViVnlVV3Vxb0NZQ3AxSXAxVmVHbVljQ25nREd6d05vazI0cTBrNThEbE1sQV9VT1ZjbzZncU1MTk1JcXE5RjA?oc=5) · wboy.com
- 2026-03-19 [Clear Mountain Bank hosts ribbon-cutting for first branch in Marion County - WDTV 5](https://news.google.com/rss/articles/CBMiogFBVV95cUxObENSNHRQaEtPV2NRNlZ2SFJVdXNnVEpMLXJnYlN4NjZOR2tXN1Raby0ybHkzWEdoc3VHa3huUDJsaDE5NVYwNDA0RzFVQ3pISndnMnNHeGxUTTNIQ09KRkdPQVBnRnlHRzR2Y2dnbUpQUm5aMTJXeWRhOUZoSVFvYTlwV3RFRTI2U0p3cjRXc2szaW9yZzQxSjh1N2UyaktEYVHSAbYBQVVfeXFMUHRkc0U2Nm5SZjQzQVllOEplSzRJWmx1d3Bhdng4TFN4bHM0ZEI0cnkyZ2VyRGdNYkFMZFVXbXNjbDB2ekdMN3pwTkZBR1RsNmliNTBHU29CdVdOV1hzTVUySl9MclN2bGZLRXFyXzhIMUpFb0NDUWhuS19GWF9sMlF4SDdUZTM5c2FieXhOMGZpbGNjNk54U3VmMWh3VzdCNXI5VVBlTlJwM05Hak9aUlNnck1lZkE?oc=5) · WDTV 5
- 2026-03-20 [Clear Mountain Bank goes live with Alkami - FinTech Futures](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTHVJLW1FNlFkZWRwMFF5TFZDUjJwUE5WUVcxaHlWTGdYZ1pNVmlFUXYwaENjalRNby02eE93X3kwQ1YyOGtZay15MHV4QWpvRDZKYlRMQ3ZUeG1OY1VYd0Q1enlXdmZSX0NUMlhVMTdUWUx5NWNlSE1QSFhqX0RiYUxKNko2b3dZUnBfZTByWUN0WjgybzBZeEREWTJxMXNTYW85QXloRUREWTBoM2swODVaaGZOdw?oc=5) · FinTech Futures
- 2026-03-20 [Clear Mountain Bank opens first-ever Marion County branch - wboy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZzJiajVQWWZiSVdBSU1rTEdTQXdlX2RfckJRa1FRcnBUREhzZnQ2bGxBLV9FaURRSEdVYUF1N2c0Z21NVWcyYUJBVXVYRHJDbjFoRjQxdm9taUdqRDQwXzdrb3BBQWpBVzFmNzJDeU05NDl5a0oxRk9mWGNpakdfNFF0bHc2T2RyNHAzOWZuLWNraXZLM0hUczFn?oc=5) · wboy.com
- 2026-03-20 [Clear Mountain Bank hosts ribbon-cutting for first branch in Marion County - WDTV 5](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNeXN6ZjhQSU5HY2NXNXpKdDNaTXBvNVptTkt6U3VEMllsbzJRRmx0R29QeWNjdkRyYVJxRERwbWVvMjdSX3NpWXViTlo4dDdsZHZRc3AtbzNhU20zNmM5QTl5S19wRTVaajB2Z2NsMUl1anptWVpjOHVHdHNSM2VvQi1IaERJc3F4UFBCaHBYWGQ2SjdLTGNOdFhOaGJRRU9qUTdWYWs4UTF3QQ?oc=5) · WDTV 5
- 2023-04-04 [Clear Mountain Bank opens new Suncrest branch - - dominionpost.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVGh6MGdCcEhsanVoZFh2amRmQU1tejIxQzZ1bGltT204aWZmOTMwaHVDZ05JbnFGcUVTTzFDQ3VoY29KVzEtWE4yRkJLSnBpdlI4UlFibG9ldV9OY0o3dlBid2JNVjZCdzNXX0lHaXBpblpsR1BfalZJWnZUWkZ1cVA0aVNBSVJVT2JUOEdocw?oc=5) · dominionpost.com
- 2025-06-18 [Generation Next — Tim Broyles, 40, Chief Experience Officer, Clear Mountain Bank - WV News](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNZ0NDZVVCVlI3UTVNRDdnN09yZGJWX1NneWVBUGlUNE5pUDA2MllOVlp2dnFxQjNFZjhPaXFBMVpzUGNOS1I4T2ZLbDZ6SmZrQW45dFRJOEVGcnFKblR0UXlpN2wteTlFb1ZUWHp5bFJFWnNlUF8taVg5WW1uM3VVbTZiQzBFUjdoVFlwRkxRbDZXckNzdjAwLWJiRWFIN0M5WWl5MmJjUVBaQTNXaVdZWTkydzE0SnY4a1JWa0FQR093bGtoanJKLXVlYldWa3k0LWgxMlNpNXBvTUlXVVhjWWl5MnVfTEx6YnI5V1JtT01TYWN6R3FpSTFvYW8?oc=5) · WV News
- 2025-02-27 [Clear Mountain Bank hires Morris as Commercial Banking Executive - WV News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPaW9HdVNqa0RZSWJGRUVFQ29nbjYwcng2QzlTSzhyNDNWQXVBWmRGdHdTVnpJVkVrVGV0b1doZ2hoc2lEbzZrQ3Z5NlRGYnZSbzJZSVlVV0pDTkwwOXJnM1BTWkQ2MlZfMEdjOTJQY085ejBUdHdZblpBNlI2akV0Nk45NDBsclU5RVdIbDZOTi1XM0VaaVBoMXhlR3JzeUZEVnhRWGt3bFlldnRjcFZ2VUhMdFdOLVM2SWdRNVljX3hZZk9rYVcwamF0QzRQLWUxQ1diZ1Ixb1VNU0xaUlJtV3V1TmRLbjFwSzlqWkZEOXpjQQ?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2443 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "2443", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide