Clear Fork Bank National Association
Albany, TX · Cert 3067 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 13 of 267).
- Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets operating in a single state (rank 233 of 267).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.82%
Rank 29 of 267
Net Interest Margin
4.77%
Rank 13 of 267
Efficiency Ratio
52.85%
Rank 80 of 266
Equity / Assets
10.24%
Rank 137 of 267
Non-interest income vs. expense
Unfavorable gap of $23.9M · efficiency ratio beats 70% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.82% | 0.93% | 1.23% | 1.55% | Beats 89% | 29 / 267 | |
| Return on Equity | 17.76% | 9.16% | 11.84% | 14.56% | Beats 91% | 24 / 267 | |
| Net Interest Margin | 4.77% | 3.12% | 3.50% | 3.88% | Beats 95% | 13 / 267 | |
| Efficiency Ratio | 52.85% | 51.36% | 60.21% | 69.66% | Beats 70% | 80 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.89% | Beats 66% | 92 / 267 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 52% | 130 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 10.57% | 11.29% | 13.05% | 15.13% | Beats 15% | 228 / 267 | |
| Total Risk-Based Capital Ratio | 10.57% | 11.95% | 13.87% | 16.27% | Beats 13% | 233 / 267 | |
| Equity / Assets | 10.24% | 9.18% | 10.29% | 11.76% | Beats 49% | 137 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 88.69% | 72.68% | 86.16% | 95.22% | 58th pctl | 111 / 267 | |
| Loans / Assets | 78.86% | 62.46% | 71.96% | 78.38% | 76th pctl | 64 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |