Clear Mountain Bank SBA loans
Short answer
Clear Mountain Bank made 129 SBA loans from October 2019 to June 2026, 13 of them since October 2023. 99.2% of them went through SBA Express, against 38.5% for all lenders, per SBA's loan file.
- SBA loans, Oct 2019 to Jun 2026
- 129
- dollars approved
- $28.5M
- median loan
- $116,500
- through SBA Express
- 99.2%
This site is not Clear Mountain Bank
sbaexpress.loans is not Clear Mountain Bank, and Clear Mountain Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. The loan figures here come from SBA's public 7(a) loan file, not from Clear Mountain Bank.
Loan sizes
The medianThe middle figure. Half the loans were larger and half were smaller. loan Clear Mountain Bank approved from October 2019 to June 2026 was $116,500. A quarter of its loans were smaller than $50,000 and a quarter were larger than $300,000. For all lenders the median was $200,000. Its median loan is smaller than the all-lender median. The average loan was $220,898.
Shares are of all 129 loans. Fewer than 5 marks a band whose count we do not publish.
Age of the businesses it lends to
The largest group was businesses in operation more than 2 years, at 62.8% of this lender's loans, against 54.6% for all lenders.
Fewer than 5 marks a group whose count we do not publish.
SBA Express and lines of credit
99.2% of this lender's loans went through SBA Express, above the 38.5% for all lenders. 3.9% were lines of creditA credit limit you can draw on, repay and draw on again. , below the 27.2% for all lenders.
| Share of loans | Clear Mountain Bank | All lenders |
|---|---|---|
| Through SBA Express | 99.2% | 38.5% |
| Lines of credit | 3.9% | 27.2% |
A line of credit lets a business draw money, repay it and draw again. SBA's file flags these loans as revolving.
What SBA Express means
An SBA Express loan can be up to $500,000. On these loans, the lender makes the credit decision without prior SBA review.
Source: SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126); SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127).
Where it lends
The most loans went to businesses in West Virginia: 109 of 129, or 84.5%. State is where the business is, not where the lender is based.
| State | Loans | Share of its loans |
|---|---|---|
| West Virginia | 109 | 84.5% |
| Maryland | 8 | 6.2% |
What it lends to
Specialized Freight (except Used Goods) Trucking, Local had the most loans: 8 of 129. The table lists industries with 5 or more loans, at most five.
| Industry | Loans | Share of its loans |
|---|---|---|
| Specialized Freight (except Used Goods) Trucking, Local | 8 | 6.2% |
| Funeral Homes and Funeral Services | 5 | 3.9% |
| Landscaping Services | 5 | 3.9% |
Industry is the NAICS code recorded on each loan.
About the lender
- Type: Bank
- Location: Bruceton Mills, WV (headquarters, per FDIC)
- Legal name on SBA's file: Clear Mountain Bank, Inc.
- FDIC certificate number: 2443
- Official website: www.clearmountain.bank (as FDIC has it on file; we do not control it)
This page describes loans SBA approved. It does not show denied applications, today's rates, fees or credit standards. It is not an offer from Clear Mountain Bank. To ask Clear Mountain Bank about a loan, contact it directly.
Starting rates and spread over Prime
SBA's file gives no starting-rate median across several years. Prime moved too much between 2019 and 2026 for one figure to mean anything.
Clear Mountain Bank approved 129 loans from October 2019 to June 2026. The median spread on those loans was 0.75 percentage points over Prime, against 2.6 percentage points over Prime for all lenders.
On the 13 loans approved from October 2023 to June 2026, the median starting rate was 8.75%, against 10.25% for all lenders. That is a small group, so treat it as rough.
The starting rate follows Prime on the day a loan was approved. The spread over Prime is the steadier way to compare lenders and years. Spread is measured on variable-rate loans only.
SBA's ceiling on variable rates
For variable-rate loans, SBA caps the rate at Prime plus 3.0 to 6.5 percentage points, depending on loan size. Today's ceilings by loan size are on the rates page.
Source: 13 CFR § 120.214(d).
Loans by year
SBA's fiscal year runs October 1 to September 30. FY2026 covers October 1, 2025 to June 30, 2026 only. Fewer than 5 marks a year whose count we do not publish.
Charge-offs
Clear Mountain Bank approved 109 loans from October 2019 to September 2022. By June 30, 2026, fewer than 5 had been charged offThe lender wrote the loan off as a loss because it was not being repaid. . We show no rate, because a rate beside a group of known size would give the count away. For all lenders, 3.6% of loans had been charged off.
How charge-offs are counted
We count only loans approved October 1, 2019 to September 30, 2022 (FY2020 to FY2022). Newer loans have not had time to go bad. A charge-off means the lender wrote the loan off as a loss. The rate by loans is charged-off loans divided by approved loans. The rate by dollars is the charged-off balance divided by approved dollars. Both run through June 30, 2026.
The two rates can differ widely for a lender that writes many small loans. A small loan adds one to the count but little to the dollars.
SBA's file covers approved loans only. This says nothing about how often applications are approved.
Lenders with a similar number of loans
These five lenders are the nearest to Clear Mountain Bank by number of SBA loans. Their pages show the same figures, so you can compare loan sizes and loan types. Within this group, Clear Mountain Bank has the highest Express share.
| Lender | Loans | Median loan | Express | Lines of credit | Charge-offs |
|---|---|---|---|---|---|
| First Western Bank & Trust | 130 | $161,000 | 91.5% | 36.2% | Fewer than 5 |
| Montana Community Development | 130 | $111,950 | 10.8% | 14.6% | Fewer than 5 |
| Capital Community Bank | 129 | $425,000 | 14.7% | 14.0% | Fewer than 5 |
| Clear Mountain Bank | 129 | $116,500 | 99.2% | 3.9% | Fewer than 5 |
| Small Business Bank | 129 | $121,500 | 10.9% | 0.0% | Fewer than 5 |
| Loyal Trust Bank | 128 | $565,550 | 0.0% | 0.0% | 0.0% |
Express and lines of credit are shares of loans. Charge-offs are the share of loans approved October 2019 to September 2022 that had been charged off by June 30, 2026. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish.
SBA Express badges
This lender ranks in the top 10 for SBA Express loans in 1 state, by loans approved from FY2024 through June 30, 2026. The rank comes only from SBA's public loan file. Badges are free. They are never for sale, and no lender can pay to earn or keep one. Lenders can copy the code below onto their own site. Read the badge rules.
West Virginia: No. 5 with 12 SBA Express loans
Embed code:
<a href="https://www.sbaexpress.loans/sba-express-lenders/clear-mountain-bank/"><img src="https://www.sbaexpress.loans/badges/clear-mountain-bank-west-virginia.svg" width="300" height="96" alt="Clear Mountain Bank is the No. 5 SBA Express lender in West Virginia by loans approved, FY2024 through June 30, 2026, ranked from SBA's loan file by sbaexpress.loans."></a>How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Recent loans were approved October 1, 2023 to June 30, 2026. The full file starts October 1, 2019. SBA's fiscal year runs October 1 to September 30. Express counts SBA Express and Export Express loans. Spread over Prime is measured on variable-rate loans. How we build these pages.
Sources
Download this page's data: JSON · CSV
Cite this page: Clear Mountain Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/clear-mountain-bank/
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