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