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Karnes County National Bank of Karnes City, The

Karnes City, TX · Cert 3279 · Karnes Cnty Natl Bancshares

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Karnes County National Bank of Karnes City, The

Karnes City, TX · Cert 3279 · Karnes Cnty Natl Bancshares

National charter · OCC · 3 branches

Q2 2026

$577.4MAssets
$234.1MLoans
$525.5MDeposits
$50.0MEquity
Loan mix
87%RE $198.6M11%C&I $25.9M2%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $368.5M30%Noninterest $157.0MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.30%Q2 ’254.35%Q2 ’26+17%-4%

Non-interest income vs. expense

1.93%Q2 ’242.19%Q2 ’252.21%Q2 ’26+12%+3%

Executive Summary

  • Earnings: ROA of 0.61%, up 6 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 2.15% of loans (-287 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 10.76%, down 114 bps from a year ago.
  • Funding: loans stand at 44.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-11 bps YoY

Efficiency Ratio (YTD, annualized)

71.43%+389 bps YoY

Tier 1 Leverage Ratio

10.76%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.59%0.40%0.45%0.61%+6 bps
Return on Equity6.20%6.53%4.43%5.04%6.94%+74 bps
Net Interest Margin3.08%3.05%2.92%2.93%2.96%-11 bps
Efficiency Ratio67.54%68.72%74.62%73.74%71.43%+389 bps
Non-Interest Burden2.02%2.05%2.14%2.13%2.08%+6 bps
Growth
Asset Growth (YoY)-3.55%1.46%11.85%15.68%15.36%+1,891 bps
Loan Growth (YoY)11.29%11.87%12.01%7.17%4.08%-721 bps
Deposit Growth (YoY)1.51%7.98%10.97%16.28%16.07%+1,455 bps
Asset Quality
Nonperforming Loans / Loans5.02%4.41%3.64%3.15%2.15%-287 bps
Net Charge-Offs / Loans0.04%0.03%0.67%0.17%0.32%+28 bps
Allowance / Loans1.69%1.65%1.37%1.47%1.38%-32 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.5x0.6x+0.3x
Capital
Tier 1 Leverage Ratio11.90%11.93%11.24%10.86%10.76%-114 bps
Total Risk-Based Capital22.50%22.46%21.87%21.59%21.51%-99 bps
Equity / Assets9.22%9.63%9.19%8.56%8.67%-55 bps
Liquidity & Funding
Loans / Deposits49.69%50.31%45.85%44.29%44.55%-513 bps
Liquid Assets / Assets5.53%4.43%5.70%8.28%3.79%-174 bps
CRE / Total Capitaln/a258%248%247%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Karnes County National Bank of Karnes City, The

Karnes City, TX · Cert 3279 · Peer group: banks under $1B in assets in TX (n=208-211) · Karnes Cnty Natl Bancshares

National charter · OCC · 3 branches

Q2 2026

$577.4MAssets
$234.1MLoans
$525.5MDeposits
$50.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets in TX (rank 45 of 211).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets in TX (rank 185 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.60%

Rank 175 of 211

Net Interest Margin

2.96%

Rank 178 of 211

Efficiency Ratio

71.43%

Rank 149 of 211

Equity / Assets

8.67%

Rank 185 of 211

Non-interest income vs. expense

$0.8M$13.2MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 30% of banks under $1B in assets in TX
Bank 71.43%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.87%1.20%1.65%Beats 17%175 / 211
Return on Equity6.95%7.52%11.67%14.58%Beats 23%163 / 211
Net Interest Margin2.96%3.28%3.82%4.31%Beats 16%178 / 211
Efficiency Ratio71.43%53.01%64.18%73.65%Beats 30%149 / 211
Asset Quality
Nonperforming Loans / Loans2.15%0.01%0.30%1.10%Beats 12%183 / 208
Net Charge-Offs / Loans0.16%0.00%0.01%0.06%Beats 12%184 / 208
Capital
Tier 1 Capital Ratio20.43%11.72%14.45%19.57%Beats 78%46 / 211
Total Risk-Based Capital Ratio21.51%11.94%14.78%20.30%Beats 79%45 / 211
Equity / Assets8.67%9.41%11.06%12.94%Beats 12%185 / 211
Liquidity & Funding
Loans / Deposits44.55%45.39%66.56%82.03%24th pctl159 / 208
Loans / Assets40.55%39.13%56.90%70.46%26th pctl156 / 211
Brokered Deposits / Depositsn/aNot reported for this institution