Clear Mountain Bank

Headquarters: Bruceton Mills, West Virginia
Charter: Bank
Assets: $1.0B
Fed district: Richmond
Regulator: Federal Reserve
Holding company: State Bancorp Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for Clear Mountain Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Clear Mountain Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Clear Mountain Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $645K in Q2 2026, 13% above the same quarter a year earlier ($572K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $1.25, the middle of its prices
Clear Mountain Bank: $0 to $2.50
Clear Mountain Bank: $0 to $2.50
U.S. median: no median
Overdraft (OD)
Clear Mountain Bank: $36
Clear Mountain Bank: $36
U.S. median: no median
NSF / Returned Item
Clear Mountain Bank: $36
Clear Mountain Bank: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $645K.

Service-charge income, Q2 2026

$645K

$646KQ3 2025

$652KQ4 2025

$610KQ1 2026

$645KQ2 2026

Against the median

Clear Mountain BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Clear Mountain Bank · $1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$1000M to $1.1B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Clear Mountain Bank(this institution)	Bruceton Mills, WV	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the James	Lynchburg, VA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
BNC National Bank	Glendale, AZ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Brannen Bank	Inverness, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Brentwood Bank	Bethel Park, PA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Calvin B. Taylor Banking Company of Berlin, Maryland	Berlin, MD	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Central Savings Bank	Glen Cove, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Federal Savings and Loan Association of Greene Co	Waynesburg, PA	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Metro Bank	Muscle Shoals, AL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Bank	Greenbrier, AR	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
GNBank, National Association	Girard, KS	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Savings Bank	Grove, OK	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	Jonestown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kirkpatrick Bank	Edmond, OK	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Magyar Bank	New Brunswick, NJ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Olympia Federal Savings and Loan Association	Olympia, WA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
OneLocal Bank	Norwood, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Presidential Bank, FSB	Bethesda, MD	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
R Bank	Round Rock, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Bank	Stoddard, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Financial Bank	Durand, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior National Bank	Hancock, MI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Port Washington State Bank	Port Washington, WI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Torrington Savings Bank	Torrington, CT	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vision Bank	Ada, OK	$1000M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Savings Bank	Montgomery, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5.25 (81%) below the median of similar-sized banks.

Compared at $1.25, the middle of its two prices, against a peer median of $6.50 among 18 publishing peers.

Its two checking prices are $0 and $2.50.

$1.25 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Clear Mountain Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Clear Mountain Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $645K
vs prior quarter: +$35K+5.7%; from Q1 2026
vs a year earlier: +$73K+12.8%; from Q2 2025
vs start of range: +$45K+7.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Clear Mountain Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$645K	+$35K	+5.7%
Q1 2026	$610K	−$42K	−6.4%
Q4 2025	$652K	+$6K	+0.9%
Q3 2025	$646K	+$74K	+12.9%
Q2 2025	$572K	+$14K	+2.5%
Q1 2025	$558K	−$57K	−9.3%
Q4 2024	$615K	+$15K	+2.5%
Q3 2024	$600K	+$39K	+7.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Clear Mountain Bank’s own schedules, with a source for each figure.

Account Maintenance

Clear Checking Monthly Fee$2.50
per month
Monthly FeeNo charge
per month
Dormant Account Fee$6
per month
Account Balancing Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Funds Transfers: Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail$10

Overdraft & NSF

Overdraft Fee$36
per item
NSF Returned Item Fee$36
per item
Overdraft Protection Auto Transfer$5

ATM & Card

Foreign ATM Usage$3
per transaction
Replacement Card$10

Wire Transfers

Wire Transfers: Customer (Incoming)$15

Check Services

Cashier’s Checks (customer)$8
Stop Payments$36
Counter Checks$0.50
per item
Check Cashing Fee (non-customer, on-us)$5
per item
Collection Items$15

Digital & Electronic

SmartLink Personal Bill Payment ServiceNo charge

Cash & Deposit

Returned Deposited Item Fee$12
per item

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
per item
Late Payment Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10.5$115
per transaction
Safe Deposit Box 10x15$125
Safe Deposit Box 3x10$45
Safe Deposit Box 3x5$40
Safe Deposit Box 5x10.5$70
Safe Deposit Box 5x5$35
Tax Levy/Garnishment$125
Account Balance Verification Letter$10

Lending Fees

Late Payment Fee$10

Other Fees

Fax Service$1
Not compared: Charged per page; comparison unavailable
per page
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Clear Checking Monthly Fee	$2.50	per month	None
Monthly Fee	No charge	per month	None
Dormant Account Fee	$6	per month	None
Account Balancing Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Funds Transfers: Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$10	Not stated	None
Overdraft & NSF
Overdraft Fee	$36	per item	None
NSF Returned Item Fee	$36	per item	None
Overdraft Protection Auto Transfer	$5	Not stated	None
ATM & Card
Foreign ATM Usage	$3	per transaction	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfers: Customer (Incoming)	$15	Not stated	None
Check Services
Cashier’s Checks (customer)	$8	Not stated	None
Stop Payments	$36	Not stated	None
Counter Checks	$0.50	per item	None
Check Cashing Fee (non-customer, on-us)	$5	per item	None
Collection Items	$15	Not stated	None
Digital & Electronic
SmartLink Personal Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Returned Deposited Item Fee	$12	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	per item	None
Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10.5	$115	per transaction	None
Safe Deposit Box 10x15	$125	Not stated	None
Safe Deposit Box 3x10	$45	Not stated	None
Safe Deposit Box 3x5	$40	Not stated	None
Safe Deposit Box 5x10.5	$70	Not stated	None
Safe Deposit Box 5x5	$35	Not stated	None
Tax Levy/Garnishment	$125	Not stated	None
Account Balance Verification Letter	$10	Not stated	None
Lending Fees
Late Payment Fee	$10	Not stated	None
Other Fees
Fax Service	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Clear Mountain Bank's safe deposit box changes in our data

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