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Kress National Bank

Kress, TX · Cert 18892 · Kress National Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$63.7MAssets
$15.2MLoans
$57.5MDeposits
$6.0MEquity
Loan mix
50%RE $3.6M38%C&I $2.7M13%Consumer $0.9MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $41.0M29%Noninterest $16.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.02%, down 22 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 9.64%, down 118 bps from a year ago.
  • Funding: loans stand at 26.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-47 bps YoY

Efficiency Ratio (YTD, annualized)

59.96%+172 bps YoY

Tier 1 Leverage Ratio

9.64%-118 bps YoY

NIM

5.30%Q2 ’245.16%Q2 ’254.55%Q2 ’26-7%-14%

Non-interest income vs. expense

2.17%Q2 ’242.11%Q2 ’251.87%Q2 ’26-3%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.03%1.20%1.24%1.17%1.08%0.82%1.02%-22 bps
Return on Equity11.59%9.90%11.09%11.52%11.11%10.34%8.43%10.62%-90 bps
Net Interest Margin3.77%3.77%3.44%3.45%3.39%3.27%2.85%2.98%-47 bps
Efficiency Ratio59.70%64.29%59.47%58.24%58.82%60.98%64.58%59.96%+172 bps
Non-Interest Burden2.17%2.36%1.97%1.94%1.93%1.93%1.78%1.73%-21 bps
Growth
Asset Growth (YoY)-9.09%-13.57%3.66%9.31%25.15%22.97%17.74%17.47%+817 bps
Loan Growth (YoY)9.08%18.65%4.12%5.15%2.84%-16.42%-10.50%-16.33%-2,147 bps
Deposit Growth (YoY)-12.24%-16.11%2.93%9.28%27.72%24.82%19.30%19.57%+1,029 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.55%-0.41%0.00%-0.01%-0.01%-0.01%0.00%-0.24%-23 bps
Allowance / Loans1.89%1.92%2.12%1.97%1.87%2.37%2.44%2.54%+57 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.99%12.42%10.91%10.82%10.94%10.82%10.07%9.64%-118 bps
Total Risk-Based Capital25.14%25.34%27.79%26.59%25.58%30.42%31.84%30.96%+437 bps
Equity / Assets11.52%11.46%10.19%10.73%9.93%10.33%9.15%9.34%-139 bps
Liquidity & Funding
Loans / Deposits43.97%43.34%33.98%37.83%35.40%29.02%25.49%26.47%-1,136 bps
Liquid Assets / Assets27.45%25.46%38.60%34.82%27.61%36.58%43.87%34.11%-71 bps
CRE / Total Capitaln/an/an/an/a20.08%20.07%20.07%n/an/a