BlastPoint's Banking Scorecard

Clear Fork Bank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 3067

Designations: ✓ Community bank

Albany, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +16.3% year over year ($912.0M on the books).
Delinquency rate 0.27%.
Return on assets 2.36%.
Efficiency ratio 52.85% vs a 59.73% peer average.
Loan-to-deposit ratio 87.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Clear Fork Bank, National Association shows strong momentum with 4 strengths and 14.6% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 5.4% in tier
+ Net Interest Margin 1.12% above tier average
+ Efficiency Ratio 6.87% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Clear Fork Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.0B +14.6% YoY +0.9% QoQ	-$1.8B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 2.1% in tier
Total Loans ?	$800.1M +14.1% YoY +3.2% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 14.6% in tier
Total Deposits ?	$912.0M +16.3% YoY +0.8% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 8.7% in tier
Return on Assets ?	2.36% +40.9% YoY +3.5% QoQ	+0.97%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 5.0% in tier
Net Interest Margin ?	4.99% +7.3% YoY +1.8% QoQ	+1.12%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 5.3% in tier
Efficiency Ratio ?	52.85% -15.5% YoY -1.5% QoQ	-6.87%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.27% -66.5% YoY -46.6% QoQ	-0.60%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	87.73% -1.9% YoY +2.4% QoQ	+2.70%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	23.34% -29.3% YoY +2.5% QoQ	+2.07%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.36% -41.8% YoY -4.5% QoQ	-0.31%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	10.57% +3.7% YoY +5.5% QoQ	-4.27%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 11.4% in tier
Non-Interest Income / Assets ?	0.14% +5.5% YoY +115.2% QoQ	-0.39%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	23.3% -9.7pp YoY +0.6pp QoQ	+2.0pp	21.4%	29.2%	22.2%	65%
Brokered Deposits	16.6% -2.0pp YoY +2.4pp QoQ	+7.2pp	9.5%	8.0%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	20.5% -2.5pp YoY -0.6pp QoQ	+6.5pp	14.0%	14.8%	12.5%	81%
CRE	43.8% -0.7pp YoY +0.8pp QoQ	-6.3pp	50.0%	48.4%	41.4%	33%
1-4 Family	22.5% +3.0pp YoY +0.1pp QoQ	-3.9pp	26.4%	25.8%	31.3%	48%
Consumer	2.6% -0.3pp YoY 0.0pp QoQ	-2.1pp	4.7%	4.7%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	10.6% +0.4pp YoY +0.6pp QoQ	-0.7pp	11.3%	12.6%	12.6%	51%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	125 +7 (+5.9%) YoY +7 (+5.9%) QoQ	-189	313	186	482	15%
Assets per Employee ($)	$8.2M +8.2% YoY -4.7% QoQ	-$2.3M	$10.5M	$10.1M	$8.8M	44%
Branch Count	6 0 YoY 0 QoQ	-14	20	12	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.3%	0.4%	26%
Nonaccrual	0.3% -0.5pp YoY -0.2pp QoQ	-0.6pp	0.8%	1.0%	1.0%	27%
Allowance Coverage	4.08x +167.2% YoY +80.0% QoQ	-14.63x	18.71x	18.82x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	23.1% +6.4pp YoY +0.7pp QoQ	+10.5pp	12.6%	13.2%	11.6%	95%
Cost of Funds (YTD)	2.2% -0.4pp YoY -0.1pp QoQ	+0.3pp	1.9%	1.6%	1.7%	72%
Net Income ($, YTD)	$11.9M +55.6% YoY — QoQ	-$7.4M	$19.2M	$15.9M	$40.4M	47%

Get Full Access to Clear Fork Bank, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#13 of 222 • Top 5.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.36%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Return on Assets

profitability

Value: 2.36%

Peer Median: 1.39%

#45 of 885 Top 5.0% in $1B-$10B

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.87%

#48 of 885 Top 5.3% in $1B-$10B

Top Weaknesses (5 metrics)

867

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#867 of 885 Bottom 2.1% in $1B-$10B

809

Total Deposits

size

Value: $911.98M

Peer Median: $2.32B

#809 of 885 Bottom 8.7% in $1B-$10B

785

Tier 1 Capital Ratio

capital

Value: 10.57%

Peer Median: 14.84%

#785 of 885 Bottom 11.4% in $1B-$10B

757

Total Loans

size

Value: $800.10M

Peer Median: $1.96B

#757 of 885 Bottom 14.6% in $1B-$10B

742

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#742 of 885 Bottom 16.3% in $1B-$10B