BlastPoint's Banking Scorecard
Clear Fork Bank, National Association
Designations: ✓ Community bank
Albany, TX
6 branches across TX
Clear Fork Bank, National Association shows strong momentum with 4 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9.5% in tier
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 7.41% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+10.3% YoY
+3.2% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.9% in tier |
| Total Loans ? |
$775.1M
+13.6% YoY
+0.9% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.4% in tier |
| Total Deposits ? |
$905.1M
+10.0% YoY
+3.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.4% in tier |
| Return on Assets ? |
2.28%
+36.4% YoY
+14.0% QoQ
|
+0.91% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 5.8% in tier |
| Net Interest Margin ? |
4.90%
+9.5% YoY
+0.3% QoQ
|
+1.08% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 6.6% in tier |
| Efficiency Ratio ? |
53.65%
-14.0% YoY
-7.5% QoQ
|
-7.41% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.50%
+170.5% YoY
-43.2% QoQ
|
-0.39% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
85.64%
+3.3% YoY
-2.8% QoQ
|
+1.43% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
22.77%
-12.9% YoY
+7.2% QoQ
|
+1.48% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.38%
+178.6% YoY
-45.3% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
10.02%
-1.2% YoY
-4.9% QoQ
|
-5.14% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.9% in tier |
| Non-Interest Income / Assets ? |
0.07%
+5.1% YoY
-73.3% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
16% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.