Total Assets
$984M
Total balance-sheet footings
FDIC Cert #3067 · Albany, Texas · Est. 1883
Clear Fork Bank, National Association - FDIC Bank Health Profile
A community-scale look at Clear Fork Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $984M
- Total assets
- A
- Health grade · Excellent
- 2.00%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Clear Fork Bank, National Association earns a PlainBankData health grade of A (81/100), with well-capitalized at 10.53% Tier 1, profitable at 2.00% ROA, efficient (58% cost ratio).
- #1,059
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 10.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Clear Fork Bank, National Association's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Clear Fork Bank, National Association's composite health score
Tier 1 Capital Ratio (10.53%) 28/40
Return on Assets (ROA) (2.00%) 25/25
Texas Ratio (6.14%) 16/20
Efficiency Ratio (58.00%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$872M
Customer-funded liabilities
Net Loans
$768M
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Clear Fork Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Clear Fork Bank, National Association's score of 81/100 falls in the highlighted band.
Clear Fork Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Clear Fork Bank, National Association's $984M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.53%
Texas Ratio
6.14%
Equity Capital
$101M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.00%
Return on Equity (ROE)
19.92%
Efficiency Ratio
58.00%
What the numbers say about Clear Fork Bank, National Association
Clear Fork Bank, National Association is an FDIC-insured institution (Certificate #3067) headquartered in Albany, Texas, established in 1883. It holds $984M in total assets - 1,059th of 4,313 FDIC-insured banks, $872M in customer deposits, and $768M in net loans. Capital-wise, the Tier 1 ratio sits at 10.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.14%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Clear Fork Bank, National Association sits 92nd of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$65M
Interest Income
$2M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Clear Fork Bank, National Association reports a Texas Ratio of 6.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Clear Fork Bank, National Association (FDIC Cert #3067) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Clear Fork Bank, National Association's health grade?▼
Clear Fork Bank, National Association receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Clear Fork Bank, National Association?▼
Clear Fork Bank, National Association holds $984M in total assets and $872M in deposits, ranking 1,059th of 4,313 FDIC-insured banks by asset size. It is headquartered in Albany, Texas.
Is my money safe at Clear Fork Bank, National Association?▼
Yes, deposits at Clear Fork Bank, National Association (Certificate #3067) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Clear Fork Bank, National Association's Tier 1 Capital Ratio?▼
Clear Fork Bank, National Association has a Tier 1 Capital Ratio of 10.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Clear Fork Bank, National Association?▼
Clear Fork Bank, National Association has a Texas Ratio of 6.14%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Clear Fork Bank, National Association?▼
Clear Fork Bank, National Association has an Efficiency Ratio of 58.00%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Clear Fork Bank, National Association's profile as a depositor or analyst.
- Clear Fork Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Clear Fork Bank, National Association against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.