Kress National Bank
Kress, TX · Cert 18892 · Peer group: banks under $1B in assets in TX (n=208-211) · Kress National Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$63.7MAssets
$15.2MLoans
$57.5MDeposits
$6.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net interest margin trails 83% of banks under $1B in assets in TX (rank 175 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.01%
Rank 133 of 211
Net Interest Margin
2.98%
Rank 175 of 211
Efficiency Ratio
59.96%
Rank 84 of 211
Equity / Assets
9.34%
Rank 160 of 211
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 61% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.87% | 1.20% | 1.65% | Beats 37% | 133 / 211 | | |
| Return on Equity | 10.82% | 7.52% | 11.67% | 14.58% | Beats 45% | 117 / 211 | | |
| Net Interest Margin | 2.98% | 3.28% | 3.82% | 4.31% | Beats 17% | 175 / 211 | | |
| Efficiency Ratio | 59.96% | 53.01% | 64.18% | 73.65% | Beats 61% | 84 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 29.71% | 11.72% | 14.45% | 19.57% | Beats 89% | 24 / 211 | | |
| Total Risk-Based Capital Ratio | 30.96% | 11.94% | 14.78% | 20.30% | Beats 89% | 23 / 211 | | |
| Equity / Assets | 9.34% | 9.41% | 11.06% | 12.94% | Beats 24% | 160 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.47% | 45.39% | 66.56% | 82.03% | 7th pctl | 194 / 208 | | |
| Loans / Assets | 23.88% | 39.13% | 56.90% | 70.46% | 9th pctl | 193 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |