Clear Fork Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
Clear Fork Bank N.A. is an FDIC-insured commercial bank headquartered in Albany, TX, established in 1883 (FDIC certificate 3067), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.03B, up 14.6% from Q2 2025, the 90th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3067
- Headquarters
- Albany, TX
- Established
- 1883
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +14.6%
- Tier 1 leverage ratio, Q2 2026
- 10.57%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111306198
- Latest call report
- Q2 2026, FFIEC 051 · Clear Fork Bank N.A. call report
- Holding company
- ALBANY BANCSHARES, INC.
- Asset rank in state
- 90th of 346 in Texas
Clear Fork Bank N.A. is one of the more profitable banks of its size. The Albany, Texas bank had $1.0 billion in assets at June 30, 2026, up 14.6% from a year earlier. It earns about $2.47 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.03 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $6.2 million, 63% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.26% of loans from 0.79%.
As of June 30, 2026, Clear Fork Bank N.A. reported a return on assets of 2.47%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Clear Fork Bank N.A. is the 90th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $1.03B, loans rose 3.2% and deposits rose 0.8%. 1-4 family residential loans made up 22.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.3%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Albany office books 27% of its branch deposits. On its Q2 2026 call report, Clear Fork Bank N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, Albany, TX 76430
- County
- Shackelford
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $912.0M
- Allowance for credit losses
- $8.7M
- Net charge-offs (YTD)
- $61K
- Average total assets
- $1.00B
- Average total loans
- $799.1M
- Average interest-bearing deposits
- $689.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3067
- Fed RSSD
- 340751
- Website
- www.clearfork.bank →
- Parent Holding Company
- ALBANY BANCSHARES, INC. (RSSD 1246926)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Clear Fork Bank N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Clear Fork Bank N.A.'s total assets moved between a low of $795.8M (Q3 2023) and a high of $1.03B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.03B total assets against $894.8M; $920.6M total liabilities against $803.5M.
$800.1M net loans and leases against $701.4M; $912.0M total deposits against $784.0M.
$85.7M securities against $95.7M; $94.8M cash and balances due against $53.6M.
$17.4M total interest income against $15.7M; $5.1M total interest expense against $5.5M.
$12.2M net interest income against $10.2M.
$776K total noninterest income against $618K; $6.8M total noninterest expense against $6.8M.
$47K provision for credit losses against $250K.
$6.2M net income against $3.8M.
2.47% return on assets against 1.67%; 5.03% net interest margin against 4.74%.
10.57% tier 1 leverage ratio against 10.19%.
Inside the full Clear Fork Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Clear Fork Bank N.A. rankings
Its closest position to the top of a national ranking is 172 of 3,611, for ROA; its furthest is 1,777 of 3,640, for Texas Ratio.
Metric pages for Clear Fork Bank N.A.: ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.67% (Q2 2025) to 2.47% (Q2 2026) and its net interest margin ran from 4.34% (Q4 2024) to 5.16% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.57% | 2.47% | 0.26% | 3.28% | 5.03% |
| Q1 2026 | 10.02% | 2.22% | 0.49% | 3.50% | 4.71% |
| Q4 2025 | 10.53% | 2.36% | 0.87% | 6.23% | 5.16% |
| Q3 2025 | 10.25% | 2.30% | 0.90% | 6.40% | 4.99% |
| Q2 2025 | 10.19% | 1.67% | 0.79% | 5.61% | 4.74% |
| Q1 2025 | 10.14% | 1.71% | 0.18% | 1.27% | 4.55% |
| Q4 2024 | 10.32% | 1.80% | 0.16% | 1.08% | 4.34% |
| Q3 2024 | 10.52% | 2.07% | 0.28% | 1.90% | 4.56% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clear Fork Bank, National Association | Albany , TX | 76430 | $249.6M |
| Abilene Office Branch | Abilene , TX | 79606 | $248.2M |
| Breckenridge Branch | Breckenridge , TX | 76424 | $239.8M |
| Mineral Wells Branch | Mineral Wells , TX | 76067 | $127.6M |
| Gordon Branch | Gordon , TX | 76453 | $26.6M |
| Strawn Branch | Strawn , TX | 76475 | $20.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 1989 | Structure Change | Acquired Strawn Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 5, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 19, 1989 | Structure Change | Acquired The First National Bank of Gordon Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 18, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- October 8, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Clear Fork Bank, National Association
- February 16, 2021, OCC: Formal Agreement: First National Bank Albany/Breckenridge
- Period: Most recent institution action October 8, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 120 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 293 applications, 258 loans originated, $52.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.2M approved, $238K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Clear Fork Bank N.A.
What are Clear Fork Bank N.A.'s total assets?
As of the Q2 2026 filing, Clear Fork Bank N.A. reported total assets of $1.03 billion in its FFIEC call report.
Where is Clear Fork Bank N.A. headquartered?
It is headquartered in Albany, TX, United States.
When was Clear Fork Bank N.A. founded?
It was established in 1883, per the FDIC institution directory.
Is Clear Fork Bank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clear Fork Bank N.A.?
Clear Fork Bank N.A.'s primary federal regulator is the OCC.
How many branches does Clear Fork Bank N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clear Fork Bank N.A.'s Texas Ratio?
Its Texas Ratio is 3.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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