Clear Mountain Bank (FDIC #2443): Bank Stress & Real-Estate Credit Exposure
Clear Mountain Bank (FDIC Cert #2443): bank stress 52/100, moderate, STABLE over 7 days; parent STATE BCORP INC.
Clear Mountain Bank (#2443) lends in 6 counties across 2 states; Clear Mountain Bank (#2443) reaches 96 ZIP codes: West Virginia 5 counties, 84 ZIPs; Maryland 1 county, 12 ZIPs.
Clear Mountain Bank (#2443) largest markets: Harrison County, WV (22 branches, 22 ZIPs) (#2443), Monongalia County, WV (57 branches, 19 ZIPs) (#2443), Braxton County, WV (18 branches, 18 ZIPs) (#2443), Marion County, WV (18 branches, 18 ZIPs) (#2443), Preston County, WV (85 branches, 17 ZIPs) (#2443), Garrett County, MD (12 branches, 12 ZIPs) (#2443).
Clear Mountain Bank (#2443) reports $1.03 billion in total assets; Clear Mountain Bank (#2443) equity $118.3 million (11.5% of Clear Mountain Bank (#2443) assets); Clear Mountain Bank (#2443) domestic deposits $887.5 million; Clear Mountain Bank (#2443) net income $8.3 million; Clear Mountain Bank (#2443) return on assets 1.65%; Clear Mountain Bank (#2443) return on equity 14.00%; Clear Mountain Bank (#2443) net interest income $21.8 million; Clear Mountain Bank (#2443) call report June 30, 2026.
Clear Mountain Bank (#2443) noncurrent real-estate loans: none reported; Clear Mountain Bank (#2443) residential -0.04%; Clear Mountain Bank (#2443) net charge-offs on real estate 0.23%; Clear Mountain Bank (#2443) residential charge-offs 0.12%.
Clear Mountain Bank (#2443) net interest margin 4.64% against an eight-quarter Clear Mountain Bank (#2443) average of 4.24% (Clear Mountain Bank (#2443) compression -0.40 points); Clear Mountain Bank (#2443) non-residential real estate 11.7% of equity; Clear Mountain Bank (#2443) rate-exposure score 40/100, Clear Mountain Bank (#2443) fixed-rate trap 40/100; Clear Mountain Bank (#2443) risk type credit driven; Clear Mountain Bank (#2443) rate regime rates elevated, Clear Mountain Bank (#2443) snapshot October 19, 2026.
Clear Mountain Bank (#2443) stress score moved from 52.2 on June 22, 2026 to 52.3 on October 19, 2026; Clear Mountain Bank (#2443) ranged 52.2 to 52.3 over 116 snapshots.
Clear Mountain Bank (#2443) alerts: 6 counties; top Clear Mountain Bank (#2443) alert scores: Bridgeport County, WV 18 (low); Fairmont County, WV 18 (low); Morgantown County, WV 18 (low); Oakland County, WV 18 (low); Sutton County, WV 18 (low).