Community Reinvestment Act (CRA) Public File Information

ONLINE AND MOBILE BANKING UNAVAILABLE OCTOBER 3-7

We are quickly approaching the launch of our NEW upgraded digital banking services on October 7! As we prepare for the upgrade, our current platform will be unavailable for use between October 3 - October 7. This includes BizLink, SmartLink, and the mobile app.

This means you will not be able to access the bank’s online or mobile banking services during this time, as we transition to the bank’s new digital banking platform. Access to online and mobile banking systems will be restored on October 7th when we launch our new platform.

In the meantime, we will be offering extended customer service hours on Saturday, October 4 from 7 a.m. - 5 p.m., which you may contact by calling 304-379-2265. If you would need to check your balance outside of business hours, you may use our EasyLine Telephone Banking, which will not be affected. You can check that out here: EasyLine Telephone Banking

In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), Clear Mountain Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. By providing the CRA Public File online, Clear Mountain Bank is able to keep this data up to date. The information provided is current as of April 1 of each year. If you're interested in viewing our CRA Public File, please click on the documents listed below. At Clear Mountain Bank, we are proud of our commitment to the communities in which we live, work, and serve. Below are the components of the bank’s Community Reinvestment Act (CRA) Public File for your review.

CRA Performance Evaluation

List of Services

Fee Schedule

List of Branch Hours of Operation, Addresses, and Geographies

Branches Open or Closed

Map of Assessment Area

CRA Assessment Area Tract Listing

HMDA Disclosure Statement

2024 HMDA Disclosure Statement
2023 HMDA Disclosure Statement

Loan to Deposit Ratio

Public Comments