KLEBERG BANK, N.A.

KINGSVILLE, TX | Medium | Est. Jan. 1, 1926, midnight | FDIC #3286 | RSSD #556459 | OCC
Latest Report: 2025-12-31

KLEBERG BANK, N.A. is amn medium FDIC-insured commercial bank headquartered in KINGSVILLE, TX, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $735M and total deposits of $658M. Profitability stands at 1.36% ROA and 14.48% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 13.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.72%. FDIC Certificate #3286.

Assets

$735M

Deposits

$658M

Loans

$498M

Equity

$69M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 14.48%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.49%
Cost of Funds 1.27%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.09%
Texas Ratio 2.72%
NPA Ratio 0.28%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 13.13%
Tier 1 Capital 13.13%
Total Capital Ratio 14.35%
Leverage Ratio 9.56%
Loan-to-Deposit 75.77%

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