CLEAR FORK BANK NATIONAL ASSOCIATION

ALBANY, TX | Medium | Est. Jan. 1, 1883, midnight | FDIC #3067 | RSSD #340751 | OCC
Latest Report: 2025-12-31

CLEAR FORK BANK NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in ALBANY, TX, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $984M and total deposits of $872M. Profitability stands at 2.34% ROA and 23.17% ROE, with a net interest margin of 5.28%. The bank's CET1 capital ratio is 10.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.81%. FDIC Certificate #3067.

Assets

$984M

Deposits

$872M

Loans

$777M

Equity

$101M

Profitability

Return on Assets (ROA) 2.34%
Return on Equity (ROE) 23.17%
Net Interest Margin (NIM) 5.28%
Yield on Assets 7.67%
Cost of Funds 2.48%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.81%
NPA Ratio 0.65%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 10.30%
Tier 1 Capital 10.30%
Total Capital Ratio 10.81%
Leverage Ratio 10.53%
Loan-to-Deposit 89.07%

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