Clear Fork Bank National Association

Albany, TX · Cert 3067 · Albany Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

Asset Quality

Profitability

Liquidity

Efficiency

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Clear Fork Bank National Association

Albany, TX · Cert 3067 · Albany Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$1.0BAssets

$808.8MLoans

$912.0MDeposits

$105.1MEquity

Loan mix

Deposit mix

Market Position · Abilene, TX · 2026 SOD (annual) · 4.5% share · #5 of 18 inst. · $0.2B of $5.5B

74.2% Shackelford

4.9% Taylor

63.5% Stephens

10.2% Palo Pinto

Executive Summary

Earnings: ROA of 1.85%, up 54 bps year over year; NIM at 4.77%.
Asset quality: problem loans at 0.26% of loans (-52 bps YoY), with net charge-offs at 0.02%.
Capital: tier 1 leverage ratio of 10.57%, up 38 bps from a year ago.
Funding: loans stand at 88.69% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.85%+54 bps YoY

Net Interest Margin (YTD, annualized)

4.77%+38 bps YoY

Efficiency Ratio (YTD, annualized)

52.85%-970 bps YoY

Tier 1 Leverage Ratio

10.57%+38 bps YoY

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.40%	1.40%	1.31%	1.31%	1.47%	1.58%	1.79%	1.85%	+54 bps
Return on Equity	13.59%	13.75%	13.32%	13.18%	14.80%	15.71%	17.61%	18.15%	+497 bps
Net Interest Margin	4.24%	4.05%	4.29%	4.39%	4.43%	4.45%	4.54%	4.77%	+38 bps
Efficiency Ratio	57.65%	58.30%	62.42%	62.55%	59.80%	58.00%	53.65%	52.85%	-970 bps
Non-Interest Burden	2.33%	2.26%	2.58%	2.65%	2.55%	2.48%	2.32%	2.39%	-26 bps
Growth
Asset Growth (YoY)	6.13%	9.82%	12.64%	8.48%	14.31%	6.46%	10.33%	14.63%	+615 bps
Loan Growth (YoY)	10.26%	7.42%	11.26%	10.21%	12.89%	16.79%	13.47%	13.93%	+372 bps
Deposit Growth (YoY)	9.95%	13.88%	15.48%	6.98%	11.42%	5.85%	10.00%	16.33%	+935 bps
Asset Quality
Nonperforming Loans / Loans	0.28%	0.16%	0.18%	0.79%	0.90%	0.87%	0.49%	0.26%	-52 bps
Net Charge-Offs / Loans	0.51%	0.38%	0.06%	0.16%	0.09%	0.06%	0.00%	0.02%	-14 bps
Allowance / Loans	1.36%	1.33%	1.27%	1.21%	1.16%	1.13%	1.12%	1.08%	-13 bps
Allowance Coverage of NPLs	4.9x	8.2x	6.9x	1.5x	1.3x	1.3x	2.3x	4.1x	+2.6x
Capital
Tier 1 Leverage Ratio	10.52%	10.32%	10.14%	10.19%	10.25%	10.53%	10.02%	10.57%	+38 bps
Total Risk-Based Capital	10.52%	10.32%	10.14%	10.19%	10.25%	10.53%	10.02%	10.57%	+38 bps
Equity / Assets	10.40%	9.89%	9.83%	10.20%	9.90%	10.30%	10.03%	10.24%	+4 bps
Liquidity & Funding
Loans / Deposits	88.04%	80.72%	83.96%	90.56%	89.20%	89.07%	86.61%	88.69%	-187 bps
Liquid Assets / Assets	4.49%	11.87%	8.81%	4.29%	7.79%	6.20%	8.89%	8.47%	+418 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	338%	328%	324%	n/a	n/a

Clear Fork Bank National Association

Albany, TX · Cert 3067 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Albany Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$1.0BAssets

$808.8MLoans

$912.0MDeposits

$105.1MEquity

Executive Summary

Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 14 of 258).
Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 228 of 258).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 30 of 258

Net Interest Margin

4.77%

Rank 14 of 258

Efficiency Ratio

52.85%

Rank 74 of 257

Equity / Assets

10.24%

Rank 130 of 258

Non-interest income vs. expense

Unfavorable gap of $23.9M · efficiency ratio beats 72% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.82%	0.93%	1.23%	1.54%	Beats 88%	30 / 258	n/a
Return on Equity	17.76%	9.26%	11.84%	14.74%	Beats 91%	24 / 258	n/a
Net Interest Margin	4.77%	3.16%	3.49%	3.88%	Beats 95%	14 / 258	n/a
Efficiency Ratio	52.85%	51.71%	60.30%	69.65%	Beats 72%	74 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.26%	0.19%	0.46%	0.90%	Beats 66%	90 / 258	n/a
Net Charge-Offs / Loans	0.02%	0.01%	0.02%	0.07%	Beats 52%	125 / 258	n/a
Capital
Tier 1 Capital Ratio	10.57%	11.41%	12.98%	15.12%	Beats 14%	223 / 258	n/a
Total Risk-Based Capital Ratio	10.57%	12.10%	13.91%	16.08%	Beats 12%	228 / 258	n/a
Equity / Assets	10.24%	9.09%	10.24%	11.72%	Beats 50%	130 / 258	n/a
Liquidity & Funding
Loans / Deposits	88.69%	73.24%	86.34%	95.95%	58th pctl	109 / 258	n/a
Loans / Assets	78.86%	63.01%	72.27%	78.40%	76th pctl	62 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution