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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

$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

4.23%Q2 ’244.36%Q2 ’254.47%Q2 ’26+14%-1%

Non-interest income vs. expense

1.95%Q2 ’242.20%Q2 ’252.22%Q2 ’26+11%+3%

Executive Summary

  • Earnings: ROA of 0.77%, up 9 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 2.15% of loans (-287 bps YoY), with net charge-offs at 0.46%.
  • 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 (quarter, annualized)

0.77%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.07%-3 bps YoY

Efficiency Ratio (quarter, annualized)

69.27%+225 bps YoY

Tier 1 Leverage Ratio

10.76%-114 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.68%-0.13%0.45%0.77%+9 bps
Return on Equity7.41%7.22%-1.37%5.04%8.89%+148 bps
Net Interest Margin3.10%3.07%2.98%2.93%3.07%-3 bps
Efficiency Ratio67.03%71.07%91.99%73.74%69.27%+225 bps
Non-Interest Burden2.02%2.14%2.73%2.13%2.09%+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 / Loans-0.01%0.00%2.62%0.17%0.46%+47 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