Clear Fork Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clear Fork Bank N.A. of Albany, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.47% | 1.46% | +1.01% | 96th top |
| ROAE | 23.92% | 12.71% | +11.21% | 95th top |
| Net Interest Margin | 5.03% | 3.85% | +1.18% | 95th top |
| Efficiency Ratio | 51.74% | 57.41% | -5.67% | 71st above |
| PPNR / Avg Assets | 2.49% | 1.88% | +0.61% | 87th top |
| Yield on Earning Assets | 7.13% | 5.72% | +1.41% | 95th top |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 31st below |
| Net Interest Spread | 4.19% | 3.18% | +1.01% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 1.00% | -0.74% | 76th top |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 48th below |
| ACL / Total Loans | 1.08% | 1.31% | -0.23% | 41st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 418.26% | 543.40% | -125.14% | 78th top |
| Texas Ratio | 3.28% | 7.39% | -4.11% | 62nd above |
| Provision / NCO | 0.00% | 618.89% | -618.89% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.57% | 11.44% | -0.87% | 52nd above |
| Equity / Assets | 10.24% | 11.34% | -1.10% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.24% | 10.50% | -0.26% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.69% | 86.95% | +1.74% | 49th below |
| Core Deposit Ratio | 71.98% | 85.56% | -13.58% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.63% | 9.68% | +4.95% | 86th top |
| Loan Growth (Y/Y) | 13.93% | 8.05% | +5.88% | 84th top |
| Deposit Growth (Y/Y) | 16.33% | 7.87% | +8.46% | 87th top |
See Clear Fork Bank N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clear Fork Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clear Fork Bank N.A. profile, how to read a UBPR, or how this data updates.