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
Unfavorable gap of $12.4M · efficiency ratio beats 30% 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 | 0.60% | 0.87% | 1.20% | 1.65% | Beats 17% | 175 / 211 | | |
| Return on Equity | 6.95% | 7.52% | 11.67% | 14.58% | Beats 23% | 163 / 211 | | |
| Net Interest Margin | 2.96% | 3.28% | 3.82% | 4.31% | Beats 16% | 178 / 211 | | |
| Efficiency Ratio | 71.43% | 53.01% | 64.18% | 73.65% | Beats 30% | 149 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.01% | 0.30% | 1.10% | Beats 12% | 183 / 208 | | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.06% | Beats 12% | 184 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 20.43% | 11.72% | 14.45% | 19.57% | Beats 78% | 46 / 211 | | |
| Total Risk-Based Capital Ratio | 21.51% | 11.94% | 14.78% | 20.30% | Beats 79% | 45 / 211 | | |
| Equity / Assets | 8.67% | 9.41% | 11.06% | 12.94% | Beats 12% | 185 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.55% | 45.39% | 66.56% | 82.03% | 24th pctl | 159 / 208 | | |
| Loans / Assets | 40.55% | 39.13% | 56.90% | 70.46% | 26th pctl | 156 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |