Clear Mountain Bank
Clear Mountain Bank is a privately held, FDIC-insured community bank founded in 1895, operating 12+ branches across North Central West Virginia and Western Maryland to serve retail consumers, small businesses, and small commercial clients with deposit, lending, treasury management, and digital banking products.
- Company typePrivate
- Founded1895
- HeadquartersBruceton Mills, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Clear Mountain Bank does
Clear Mountain Bank is a privately held, FDIC-insured community bank founded in 1895 and headquartered in Bruceton Mills, West Virginia, operating 12 or more branch locations across North Central West Virginia and Western Maryland. The bank provides a full suite of retail and commercial banking products including personal and business checking and savings accounts, mortgages, home equity loans, personal and auto loans, commercial lending, treasury management, merchant services, and financial planning services distributed through LPL Financial. Its customer base spans individual consumers, small and medium-sized businesses, and small commercial entities, served via a hybrid model combining physical branches with a recently modernized digital channel stack.
The bank's underlying technology architecture is centered on the Alkami Digital Banking Platform, deployed in March 2026, which provides integrated fraud-prevention capabilities (Positive Pay, ACH Reporting), mobile deposit, video teller, card management, and bill pay for both retail and business customers. The platform is supplemented by the HelloHome Mortgage application system (Floify integration) for home loan origination and the upcoming Alkami Data & Marketing Solution for transaction analytics and personalized customer engagement. Core payment rails are integrated through Zelle, Mastercard (debit, credit, and gift cards), and digital wallet support.
Clear Mountain Bank generates revenue primarily through net interest income from its lending portfolio (mortgages, home equity, personal, auto, commercial), supplemented by deposit account fees, digital banking service fees, treasury and merchant service fees, and financial planning advisory revenue via the LPL partnership. The go-to-market motion is sales-led and relationship-driven, leveraging 130+ years of community presence, local loan decision-making, the Clear Mountain Cares community engagement program, and an active multi-channel marketing presence across social media, the company website, and earned media coverage.
Clear Mountain Bank firmographics
Firmographics- Name
- Clear Mountain Bank
- Legal name
- Clear Mountain Bank
- Website
- https://clearmountainbank.com
- Company type
- Private
- Founded year
- 1895
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Clear Mountain Bank is a privately held, FDIC-insured community bank founded in 1895, operating 12+ branches across North Central West Virginia and Western Maryland to serve retail consumers, small businesses, and small commercial clients with deposit, lending, treasury management, and digital banking products.
- Ownership category
- akta.pro rank
Clear Mountain Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036), National Commercial Banks (6021), Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
- akta.pro secondary industries
- Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Student & Youth Banking (FSABAAAH)
Keywords
Where Clear Mountain Bank is headquartered
LocationHeadquarters
- HQ city
- Bruceton Mills
- HQ country
- United States
- HQ region
- North America
Offices14 records
Markets served
Clear Mountain Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income from Lending: Traditional banking revenue generated from interest on mortgage loans, home equity loans, personal and auto loans, commercial loans, and other credit products extended to customers.
- Deposit Account Fees and Charges: Fees generated from checking and savings accounts, including potential monthly maintenance fees, overdraft fees, and other account-related charges.
- Digital Banking Services: Revenue from digital banking services, wire transfers, bill pay, and electronic statement delivery.
- Treasury Management Services: Fees from merchant services, treasury services, and other commercial banking services.
- Financial Planning Services: Revenue from financial planning and advisory services, potentially including investment product referrals and LPL financial accounts.
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Clear Mountain Bank product offering
Product offeringCore offering
Clear Mountain Bank is a community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs, HSAs), consumer lending products (mortgages, home equity, personal and auto loans), commercial lending, treasury management including merchant services, and financial planning. The bank serves retail and business customers through 12+ branches across North Central West Virginia and Western Maryland, supplemented by online, mobile, video teller, and Zelle-enabled digital banking built on the Alkami Digital Banking Platform.
Product overview
Clear Mountain Bank offers a unified banking platform combining personal and business financial services. The bank provides personal banking products (checking, savings, loans, spending cards, online/mobile banking), business banking solutions (checking, commercial lending, treasury management, merchant services), and financial planning services. Technology-wise, the bank recently launched the Alkami Digital Banking Platform with integrated Positive Pay and ACH Reporting capabilities for fraud prevention, alongside the Alkami Data & Marketing Solution for customer engagement analytics. The product architecture includes a core banking system supplemented by third-party digital platform integrations.
Differentiator
Problem solved
Functional benefit
Brands
- HelloHome Mortgage: Mortgage lending service offered by Clear Mountain Bank
Products and services
- Personal Checking Accounts Multiple checking account options for individual consumers, including Clear Checking, Interest Checking, MoneyWise Student Checking, Prime 50 Checking, Money Market Deposit Account, and StartFresh Banking with overdraft protection.
- Personal Savings Accounts Savings products for individuals, including Personal Savings Account, Certificates of Deposit (CDs), IRAs, Christmas Club Account, CDARS, Insured Cash Sweep (ICS), and Health Savings Account.
- Spending & Cards Mastercard-branded debit cards, credit cards, gift cards, and digital wallet services for everyday personal spending.
- Personal Loans Mortgage loans, home equity loans and lines of credit, personal loans, and auto loans for individual borrowers, delivered through the HelloHome Mortgage platform.
- Personal Online & Mobile Banking Mobile deposit, card management, video teller, credit monitoring, bill pay, eStatements, EasyLine telephone banking, and Zelle for individual customers' digital banking access.
- Business Checking & Savings Business checking and savings accounts with debit and credit card options for commercial customers.
- Commercial Lending Commercial loans designed to support local businesses with their financing needs.
- Business Online & Mobile Banking Mobile banking app, financial tools, and SpendTrack for business cash flow management, with Positive Pay and ACH Reporting fraud prevention.
- Treasury Management Merchant services and treasury services for business cash management and payment processing.
- Financial Planning Financial solutions including free financial reviews, appointment scheduling, and access to financial experts for comprehensive planning, delivered through the LPL Financial partnership.
Quantifiable outcome
- Clear Mountain Bank serves communities across North Central West Virginia and Western Maryland with 12+ physical branch locations plus digital banking capabilities
- +1 more outcomes
Companies that use Clear Mountain Bank
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Clear Mountain Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature8 records
Clear Mountain Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Alkami Technology Inc.coreClear Mountain Bank launched Alkami's Digital Banking Platform for its retail and business customers, providing modern digital banking capabilities including Positive Pay and ACH Reporting for enhanced fraud prevention and operational efficiency. The community bank is also preparing to implement Alkami's Data & Marketing Solution to analyze transaction data for personalized customer engagement strategies. This partnership enables Clear Mountain Bank to offer competitive digital services while maintaining its relationship-driven community banking model. The platform was deployed in March 2026 to serve customers in North Central West Virginia and western Maryland.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Clear Mountain Bank competitors and assessment
Company assessmentBroad incumbents
- Truist Financial Corporation: Truist is a top-10 US bank formed from the BB&T/SunTrust merger with a meaningful West Virginia branch presence, full personal/business/mortgage/wealth product set, and large-scale digital capabilities. It competes with Clear Mountain for the same retail and small-business customers in NCWV and Western Maryland, but as a much larger broad-line incumbent.
Direct peers
- Capon Valley Bank: Capon Valley Bank is a small community bank headquartered in Wardensville, WV, providing personal and business banking across the region. It is a direct peer in the rural WV community banking segment, comparable in size, customer base, and community focus.
- MVB Bank Corp. MVB Bank is a Fairmont, WV-based community bank with personal, business, mortgage, and digital banking products across the Mid-Atlantic. It competes directly with Clear Mountain in North Central West Virginia and offers a comparable mix of relationship banking and modern digital channels (including a digital-only brand).
- WesBanco, Inc. WesBanco is a Wheeling, WV-based bank holding company with a multi-state community banking franchise spanning WV, OH, PA, and KY, offering consumer, commercial, mortgage, and wealth services. It directly overlaps with Clear Mountain in North Central West Virginia markets and is comparable in community-banking orientation, though meaningfully larger in scale.
- First United Corporation: First United Corporation is an Oakland, MD-based community bank holding company with branches across Western Maryland and North Central West Virginia — directly overlapping Clear Mountain's footprint (notably Oakland, MD). It offers personal, business, and mortgage banking, making it a tight geographic and product comparable.
- United Bank: United Bank is a West Virginia-headquartered community/regional bank offering personal and business banking, mortgage, treasury management, and digital channels across WV and the broader Mid-Atlantic. It is one of the most direct geographic and product peers to Clear Mountain Bank, competing head-to-head in many of the same NCWV and Western Maryland communities.
- BCBank, Inc. BCBank is a small community bank serving Grant and surrounding counties in West Virginia with personal and business deposit, lending, and digital banking products. It is a direct comparable in the rural West Virginia community banking segment, similar in size and orientation to Clear Mountain.
- City National Bank of West Virginia: City National Bank of WV, a subsidiary of City Holding Company, is a Charleston-headquartered community bank offering consumer, commercial, mortgage, and treasury services across West Virginia. It is a direct competitor in the WV community banking space, with broader geographic reach and a similar community-banking value proposition.
- Citizens Bank of West Virginia: Citizens Bank of West Virginia is a small, privately held community bank offering deposit, lending, and digital banking services within the state. It directly competes with Clear Mountain in overlapping WV markets and shares a similar community-banking model and scale.
- Jefferson Security Bank: Jefferson Security Bank is a small, privately held community bank headquartered in Shepherdstown, WV, offering personal and business banking products in the Eastern Panhandle and broader WV. It is a direct peer in the WV community banking segment, with comparable scale and customer profile.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Clear Mountain Bank social profiles
Digital presenceClear Mountain Bank compliance and trust
Trust signalCompliance2 records
Clear Mountain Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Mountain Bank leadership team
Management profileNumber of profiles
Profiles1 record
Clear Mountain Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Mountain Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Mountain Bank
What does Clear Mountain Bank do?
Clear Mountain Bank is a community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs, HSAs), consumer lending products (mortgages, home equity, personal and auto loans), commercial lending, treasury management including merchant services, and financial planning. The bank serves retail and business customers through 12+ branches across North Central West Virginia and Western Maryland, supplemented by online, mobile, video teller, and Zelle-enabled digital banking built on the Alkami Digital Banking Platform.
Is Clear Mountain Bank a public or private company?
Clear Mountain Bank is a private company. It is classified as unknown and is currently operating.
When was Clear Mountain Bank founded?
Clear Mountain Bank was founded in 1895. It employs 101 to 250 people.
Where is Clear Mountain Bank based?
Clear Mountain Bank is headquartered in Bruceton Mills, United States, in the North America region.
How does Clear Mountain Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Charges, digital Banking Services, treasury Management Services and financial Planning Services.
Who are Clear Mountain Bank's main competitors?
Truist Financial Corporation is listed as a broad incumbent. Direct peers are Capon Valley Bank, MVB Bank Corp., WesBanco, Inc., First United Corporation, United Bank, BCBank, Inc., City National Bank of West Virginia, Citizens Bank of West Virginia and Jefferson Security Bank.
Does Clear Mountain Bank have an API?
No public API is recorded for Clear Mountain Bank.
What industry is Clear Mountain Bank in?
Clear Mountain Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts, with a secondary code of FSABAAAG, Affluent/Premier Retail Banking (Mass Affluent). Its NAICS code is 52211 and its SIC code is 6022.