BlastPoint's Banking Scorecard
Clear Fork Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 3067
Albany, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Clear Fork Bank, National Association shows strong momentum with 2 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38% in Community
- + Net Interest Margin 1.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$984.3M
+6.5% YoY
+2.0% QoQ
|
-$407.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$768.1M
+17.0% YoY
+4.4% QoQ
|
-$207.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$872.3M
+5.9% YoY
+4.5% QoQ
|
-$292.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.00%
+12.3% YoY
+6.5% QoQ
|
+0.83% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.89%
+7.5% YoY
+1.9% QoQ
|
+1.22% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
58.00%
-0.5% YoY
-3.0% QoQ
|
-4.63% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.88%
+434.5% YoY
-2.9% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
88.06%
+10.6% YoY
-0.1% QoQ
|
+5.00% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
21.23%
-8.3% YoY
-4.0% QoQ
|
+0.18% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.70%
+495.4% YoY
+0.8% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.24%
+3.0% YoY
+28.9% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#142 of 371 · Top 38% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.00%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 6%
in Community
Why this stands out
Current:
4.89%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.66%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 58.00% · Tier avg: 62.63%
59
59th pctile
Loan-to-Deposit Ratio
Current: 88.06% · Tier avg: 83.06%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.23% · Tier avg: 21.05%
55
55th pctile
Total Loans
Current: $768.1M · Tier avg: $975.5M
52
52th pctile
Total Deposits
Current: $872.3M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $984.3M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
49
49th pctile
Total Assets
Current: $984.3M · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $872.3M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $768.1M · Tier avg: $975.5M
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.23% · Tier avg: 21.05%
59
59th pctile
Loan-to-Deposit Ratio
Current: 88.06% · Tier avg: 83.06%
64
64th pctile
Efficiency Ratio
Current: 58.00% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
94
94th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.66%