Karnes City, TX · Cert 3279 · Karnes Cnty Natl Bancshares
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.65% | 0.43% | 0.55% | 0.59% | 0.40% | 0.45% | 0.61% | +6 bps | |
| Return on Equity | 7.60% | 7.92% | 4.88% | 6.20% | 6.53% | 4.43% | 5.04% | 6.94% | +74 bps | |
| Net Interest Margin | 2.57% | 2.70% | 3.11% | 3.08% | 3.05% | 2.92% | 2.93% | 2.96% | -11 bps | |
| Efficiency Ratio | 70.83% | 70.53% | 68.07% | 67.54% | 68.72% | 74.62% | 73.74% | 71.43% | +389 bps | |
| Non-Interest Burden | 1.78% | 1.84% | 2.06% | 2.02% | 2.05% | 2.14% | 2.13% | 2.08% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.21% | -3.83% | 0.26% | -3.55% | 1.46% | 11.85% | 15.68% | 15.36% | +1,891 bps | |
| Loan Growth (YoY) | 15.98% | 10.44% | 11.54% | 11.29% | 11.87% | 12.01% | 7.17% | 4.08% | -721 bps | |
| Deposit Growth (YoY) | 2.10% | 1.90% | 5.87% | 1.51% | 7.98% | 10.97% | 16.28% | 16.07% | +1,455 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.11% | 4.57% | 8.70% | 5.02% | 4.41% | 3.64% | 3.15% | 2.15% | -287 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.10% | 0.04% | 0.03% | 0.67% | 0.17% | 0.32% | +28 bps | |
| Allowance / Loans | 1.13% | 1.33% | 1.56% | 1.69% | 1.65% | 1.37% | 1.47% | 1.38% | -32 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.2x | 0.3x | 0.4x | 0.4x | 0.5x | 0.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.76% | 11.99% | 11.90% | 11.93% | 11.24% | 10.86% | 10.76% | -114 bps | |
| Total Risk-Based Capital | 22.38% | 22.70% | 22.13% | 22.50% | 22.46% | 21.87% | 21.59% | 21.51% | -99 bps | |
| Equity / Assets | 9.04% | 8.47% | 8.97% | 9.22% | 9.63% | 9.19% | 8.56% | 8.67% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.56% | 45.43% | 48.06% | 49.69% | 50.31% | 45.85% | 44.29% | 44.55% | -513 bps | |
| Liquid Assets / Assets | 9.81% | 4.63% | 3.98% | 5.53% | 4.43% | 5.70% | 8.28% | 3.79% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 248% | 247% | n/a | n/a | |