Clear Fork Bank N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 166.71 percentage points in Q2 2026, from 251.54% to 418.26%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, Clear Fork Bank N.A. sits 24th from the top on return on assets, 2.47% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Clear Fork Bank N.A. reported 2.47% on return on assets in Q2 2026, 1.20 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.57% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.28% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 418.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.47% |
| Return on equity | 23.92% |
| Net interest margin | 5.03% |
| Efficiency ratio | 51.74% |
| Yield on earning assets | 7.13% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.69% |
| Core deposits to total deposits | 71.98% |
| Brokered deposits to total deposits | 16.64% |
| Deposits to assets | 88.91% |
| Securities to assets | 8.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.08% | 2.31% | 4.46% | 0.30% | -0.05% |
| Q4 2023 | 10.86% | 0.54% | 4.36% | 0.27% | -0.05% |
| Q1 2024 | 10.37% | 1.22% | 4.31% | 0.20% | 2.02% |
| Q2 2024 | 10.56% | 2.04% | 4.58% | 0.18% | -0.01% |
| Q3 2024 | 10.52% | 2.07% | 4.56% | 0.27% | -0.36% |
| Q4 2024 | 10.32% | 1.80% | 4.34% | 0.16% | -0.02% |
| Q1 2025 | 10.14% | 1.71% | 4.55% | 0.12% | 0.06% |
| Q2 2025 | 10.19% | 1.67% | 4.74% | 0.76% | 0.26% |
| Q3 2025 | 10.25% | 2.30% | 4.99% | 0.63% | -0.03% |
| Q4 2025 | 10.53% | 2.36% | 5.16% | 0.81% | -0.04% |
| Q1 2026 | 10.02% | 2.22% | 4.71% | 0.45% | -0.00% |
| Q2 2026 | 10.57% | 2.47% | 5.03% | 0.26% | 0.03% |
Clear Fork Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Fork Bank N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)