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Letter portraitLegal landscapeQuarterYTD

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 $20.2MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $699.1M23%Noninterest $212.8MQ3 2024Q2 2026

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

6.71%Q2 ’246.83%Q2 ’256.87%Q2 ’26+2%+9%

Non-interest income vs. expense

2.69%Q2 ’242.91%Q2 ’252.67%Q2 ’26+9%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.40%1.31%1.31%1.47%1.58%1.79%1.85%+54 bps
Return on Equity13.59%13.75%13.32%13.18%14.80%15.71%17.61%18.15%+497 bps
Net Interest Margin4.24%4.05%4.29%4.39%4.43%4.45%4.54%4.77%+38 bps
Efficiency Ratio57.65%58.30%62.42%62.55%59.80%58.00%53.65%52.85%-970 bps
Non-Interest Burden2.33%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 / Loans0.28%0.16%0.18%0.79%0.90%0.87%0.49%0.26%-52 bps
Net Charge-Offs / Loans0.51%0.38%0.06%0.16%0.09%0.06%0.00%0.02%-14 bps
Allowance / Loans1.36%1.33%1.27%1.21%1.16%1.13%1.12%1.08%-13 bps
Allowance Coverage of NPLs4.9x8.2x6.9x1.5x1.3x1.3x2.3x4.1x+2.6x
Capital
Tier 1 Leverage Ratio10.52%10.32%10.14%10.19%10.25%10.53%10.02%10.57%+38 bps
Total Risk-Based Capital10.52%10.32%10.14%10.19%10.25%10.53%10.02%10.57%+38 bps
Equity / Assets10.40%9.89%9.83%10.20%9.90%10.30%10.03%10.24%+4 bps
Liquidity & Funding
Loans / Deposits88.04%80.72%83.96%90.56%89.20%89.07%86.61%88.69%-187 bps
Liquid Assets / Assets4.49%11.87%8.81%4.29%7.79%6.20%8.89%8.47%+418 bps
CRE / Total Capitaln/an/an/an/a338%328%324%n/an/a