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

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