| Metric | Clear Mountain Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +2.5% | +5.1% | -2.5 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.65% | 1.26% | +0.4 pts |
| ROE | 14.0% | 12.2% | +1.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $887.5M | $753.5M | $118.3M | $8.3M | 1.65% | 4.64% | 0.23% |
| Q1 2026 | $1.01B | $878.0M | $745.1M | $119.5M | $3.8M | 1.53% | 4.61% | 0.29% |
| Q4 2025 | $984.9M | $853.4M | $738.6M | $117.6M | $12.7M | 1.28% | 4.43% | 0.30% |
| Q3 2025 | $997.6M | $861.2M | $731.3M | $112.9M | $10.0M | 1.36% | 4.34% | 0.26% |
| Q2 2025 | $979.5M | $865.6M | $691.3M | $105.5M | $6.7M | 1.37% | 4.26% | 0.26% |
| Q1 2025 | $992.1M | $856.7M | $691.1M | $103.2M | $3.3M | 1.34% | 4.07% | 0.30% |
| Q4 2024 | $977.6M | $828.8M | $683.9M | $100.8M | $11.4M | 1.17% | 3.83% | 0.32% |
| Q3 2024 | $982.1M | $811.7M | $688.3M | $102.5M | $8.5M | 1.15% | 3.74% | 0.25% |
Loan mix (Q2 2026): real estate $662.8M · commercial $61.0M · consumer $37.3M · securities $164.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Clear Mountain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 59.0% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Clear Mountain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Clear Mountain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Clear Mountain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Clear Mountain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.