BanksCLEAR FORK BANK NATIONAL ASSOCIATION

CLEAR FORK BANK NATIONAL ASSOCIATION

ALBANY, TXMediumEst. Jan. 1, 1883, midnightFDIC #3067RSSD #340751OCC
Latest · 2025-12-31

CLEAR FORK BANK NATIONAL ASSOCIATION is an 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 5.14%. CET1 capital ratio: 10.30%, well above regulatory minimums. NPL ratio: 1.28% · Texas Ratio: 9.12%. Operates 6 domestic branches.

Assets
$984M
Deposits
$872M
Loans
$777M
Equity
$101M

Profitability

Return on Assets (ROA)2.34%
Return on Equity (ROE)23.17%
Net Interest Margin5.14%
Yield on Assets7.47%
Cost of Funds2.48%

Asset Quality

NPL Ratio1.28%
Net Charge-Off Ratio-0.04%
Texas Ratio9.12%
NPA Ratio1.02%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio10.30%
Tier 1 Capital10.30%
Total Capital Ratio10.81%
Leverage Ratio10.53%
Loan-to-Deposit89.07%

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