Clear Fork Bank N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.95 percentage points higher than in Q1 2026, at 216.73%. Within Texas, Clear Fork Bank N.A. is 61st of 346 on loan-to-deposit ratio, 88.69% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Clear Fork Bank N.A. reported 88.69% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $808.8M |
| Net loans and leases | $800.1M |
| Loans held for sale | $0 |
| Loans to total assets | 78.86% |
| Loan-to-deposit ratio | 88.69% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.71% |
| Multifamily (5+ residential) | 2.16% |
| Commercial and industrial | 20.31% |
| Consumer | 2.55% |
| Credit cards | 0.00% |
| Farm | 7.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.73% |
| Construction concentration (Tier 1 capital + allowance) | 59.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $15.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $597.9M | $681.0M | 25.35% | 22.27% | 2.77% |
| Q4 2023 | $619.3M | $723.7M | 26.65% | 23.19% | 2.84% |
| Q1 2024 | $620.9M | $712.5M | 26.58% | 22.68% | 2.90% |
| Q2 2024 | $644.2M | $732.8M | 28.46% | 23.33% | 2.75% |
| Q3 2024 | $659.3M | $748.8M | 28.78% | 23.04% | 2.81% |
| Q4 2024 | $665.2M | $824.1M | 28.78% | 23.28% | 2.88% |
| Q1 2025 | $690.8M | $822.8M | 30.76% | 22.52% | 2.80% |
| Q2 2025 | $709.9M | $784.0M | 31.41% | 22.78% | 2.86% |
| Q3 2025 | $744.2M | $834.3M | 32.61% | 22.34% | 2.67% |
| Q4 2025 | $776.9M | $872.3M | 32.75% | 21.17% | 2.56% |
| Q1 2026 | $783.9M | $905.1M | 31.96% | 20.93% | 2.58% |
| Q2 2026 | $808.8M | $912.0M | 32.71% | 20.31% | 2.55% |
Clear Fork Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Fork Bank N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clear Fork Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3067) · FFIEC NIC profile (RSSD 340751)