Kleberg Bank, N.A.
Kingsville, TX · Cert 3286 · Peer group: banks under $1B in assets in TX (n=208-211) · Kleberg&Company Bankers Inc.
National charter · OCC · 4 branches
Q2 2026
$736.8MAssets
$512.7MLoans
$655.5MDeposits
$73.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets in TX (rank 78 of 208).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets in TX (rank 153 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.20%
Rank 105 of 211
Net Interest Margin
4.04%
Rank 84 of 211
Efficiency Ratio
65.01%
Rank 117 of 211
Equity / Assets
9.92%
Rank 140 of 211
Non-interest income vs. expense
Unfavorable gap of $17.5M · efficiency ratio beats 45% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.87% | 1.20% | 1.65% | Beats 50% | 105 / 211 | |
| Return on Equity | 12.10% | 7.52% | 11.67% | 14.58% | Beats 55% | 96 / 211 | |
| Net Interest Margin | 4.04% | 3.28% | 3.82% | 4.31% | Beats 60% | 84 / 211 | |
| Efficiency Ratio | 65.01% | 53.01% | 64.18% | 73.65% | Beats 45% | 117 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.01% | 0.30% | 1.10% | Beats 63% | 78 / 208 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 27% | 153 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.91% | 11.72% | 14.45% | 19.57% | Beats 40% | 126 / 211 | |
| Total Risk-Based Capital Ratio | 14.14% | 11.94% | 14.78% | 20.30% | Beats 45% | 115 / 211 | |
| Equity / Assets | 9.92% | 9.41% | 11.06% | 12.94% | Beats 34% | 140 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 78.21% | 45.39% | 66.56% | 82.03% | 69th pctl | 64 / 208 | |
| Loans / Assets | 69.58% | 39.13% | 56.90% | 70.46% | 74th pctl | 55 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |