Clear Mountain Bank

Overview / Commentary

www.clearmountainbank.com

304-379-2265

160 Morgantown St
Bruceton Mills, WV 26525

Clear Mountain Bank is headquartered in Bruceton Mills and is the 5^th largest bank in the state of West Virginia. It is also the 1,112^th largest bank in the nation. It was established in 1931 and as of December of 2021, it had grown to 156 employees at 10 locations. Clear Mountain Bank has an A+ health rating.

Reviews (2)

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Simply Awesome!

Posted by: Anonymous | Dec 15, 2011

Simply awesome! Easy to understand products, low fees, great service. Locally owned. What a bank should be.

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Horrible Service

Posted by: Anonymous | May 10, 2012

Rates are very attractive, but their customer service is terrible. We've been approved for a loan for over three months. Every time we get close to closing they need some other esoteric paper work. The bank officer won't return calls, won't give us straight answers, and we have to go through a third party with connections in the bank to get them to return messages. Do not use this bank unless you have plenty of time to waste and enjoy frustration.

Comment

Health

A+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	2443
Year Established	1931
Employees	156
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.37%
Return on Equity - YTD	11.87%
Annual Interest Income	$31.1MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$873.4MM$767.2MM
Loans	Q4 2021vs Q4 2020	$535.9MM$538.4MM
Deposits	Q4 2021vs Q4 2020	$770.1MM$669.7MM
Equity Capital	Q4 2021vs Q4 2020	$98.5MM$92.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$9.7MM$9.5MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$2.0MM$3.2MM
Real Estate Owned	Q4 2021vs Q4 2020	$85.00K$110.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Clear Mountain Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Clear Mountain Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$5k^*	-	Health Savings Account (HSA)
OTHER TIERS: 0.30% → Up to $5k
0.08%	$1	-	PayDay IRA
0.05%	$1	-	Regular Savings Account
0.05%	$1	-	Christmas Club Account

Clear Mountain Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.07%^*	$100k^*	-	Money Market Deposit Accounts
OTHER TIERS: 0.03% → Up to $1k \| 0.04% → $1k - $25k \| 0.05% → $25k - $100k
0.07%^*	$100k^*	-	Investor Money Market Deposit Accounts
OTHER TIERS: 0.03% → Up to $10k \| 0.04% → $10k - $25k \| 0.05% → $25k - $100k

Clear Mountain Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	-	-	Interest Checking Account
0.03%	-	-	Prime 50 Checking

Clear Mountain Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	$500	-	84 Month CD
0.45%	$500	-	96 Month CD
0.30%	$500	-	60 Month CD
0.25%	$500	-	48 Month CD
0.20%	$500	-	36 Month CD
0.20%	$1k	-	36 Month Freedom CD
0.15%	$500	-	30 Month CD
0.12%	$500	-	24 Month CD
0.10%	$1k	-	12 Month CD
0.10%	$500	-	18 Month CD
0.07%	$1k	-	182 Day CD
0.05%	$1k	-	91 Day CD
0.04%	$1k	-	31 Day CD
0.03%	$1k	-	7 Day CD

Clear Mountain Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$1	-	18 Month Variable IRA
0.30%	$500	-	60 Month Fixed IRA
0.25%	$500	-	48 Month Fixed IRA
0.20%	$500	-	36 Month Fixed IRA
0.15%	$500	-	30 Month Fixed IRA
0.12%	$500	-	24 Month Fixed IRA
0.10%	$1k	-	12 Month Fixed IRA
0.10%	$500	-	18 Month Fixed IRA

Locations

Cities: Bridgeport, Bruceton Mills, Kingwood, Morgantown, Oakland, Reedsville, Rowlesburg, Terra Alta

Bridgeport Branches
Bridgeport Office Branch	15 Sweetbrier Lane	Bridgeport, WV 26330

Bruceton Mills Branches
Clear Mountain Bank	160 Morgantown St	Bruceton Mills, WV 26525

Kingwood Branches
Kingwood Office	330 East Main Street	Kingwood, WV 26537

Morgantown Branches
Glenmark Centre	102 Venture Dr., Suite 1	Morgantown, WV 26508
Suncrest Office Branch	1085 Van Voorhis, Suite 150	Morgantown, WV 26505
Sabraton Branch Kroger Store	1851 Earl Core Rd.	Morgantown, WV 26505

Oakland Branches
Oakland Branch	12730 Garrett Highway	Oakland, MD 21550

Reedsville Branches
Reedsville Office	115 North Robert Stone Way	Reedsville, WV 26547

Rowlesburg Branches
Rowlesburg Branch	30 East Main Street	Rowlesburg, WV 26425

Terra Alta Branches
The Terra Alta Bank Branch	1101 East State Street	Terra Alta, WV 26764

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