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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
76%RE $568.0M22%C&I $164.1M3%Consumer $20.2MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $699.1M23%Noninterest $212.8MQ2 2025Q2 2026

NIM

6.86%Q2 ’246.94%Q2 ’256.95%Q2 ’26+2%+9%

Non-interest income vs. expense

2.57%Q2 ’242.99%Q2 ’252.71%Q2 ’26+18%-12%

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 1.90%, up 59 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.26% of loans (-52 bps YoY), with net charge-offs at 0.03%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.90%+59 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+39 bps YoY

Efficiency Ratio (quarter, annualized)

52.10%-1,058 bps YoY

Tier 1 Leverage Ratio

10.57%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.82%1.85%1.79%1.90%+59 bps
Return on Equity13.10%18.13%18.28%17.61%18.78%+568 bps
Net Interest Margin4.50%4.83%4.89%4.54%4.89%+39 bps
Efficiency Ratio62.67%54.97%53.21%53.65%52.10%-1,058 bps
Non-Interest Burden2.72%2.53%2.49%2.32%2.40%-32 bps
Growth
Asset Growth (YoY)8.48%14.31%6.46%10.33%14.63%+615 bps
Loan Growth (YoY)10.21%12.89%16.79%13.47%13.93%+372 bps
Deposit Growth (YoY)6.98%11.42%5.85%10.00%16.33%+935 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.90%0.87%0.49%0.26%-52 bps
Net Charge-Offs / Loans0.25%-0.03%-0.04%0.00%0.03%-22 bps
Allowance / Loans1.21%1.16%1.13%1.12%1.08%-13 bps
Allowance Coverage of NPLs1.5x1.3x1.3x2.3x4.1x+2.6x
Capital
Tier 1 Leverage Ratio10.19%10.25%10.53%10.02%10.57%+38 bps
Total Risk-Based Capital10.19%10.25%10.53%10.02%10.57%+38 bps
Equity / Assets10.20%9.90%10.30%10.03%10.24%+4 bps
Liquidity & Funding
Loans / Deposits90.56%89.20%89.07%86.61%88.69%-187 bps
Liquid Assets / Assets4.29%7.79%6.20%8.89%8.47%+418 bps
CRE / Total Capitaln/a338%328%324%n/an/a