KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE

KARNES CITY, TX | Medium | Est. Jan. 1, 1900, midnight | FDIC #3279 | RSSD #979759 | OCC
Latest Report: 2025-12-31

KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE is amn medium FDIC-insured commercial bank headquartered in KARNES CITY, TX, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $549M and total deposits of $498M. Profitability stands at -0.13% ROA and -1.37% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 20.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.62% and a Texas Ratio of 31.48%. FDIC Certificate #3279.

Assets

$549M

Deposits

$498M

Loans

$228M

Equity

$51M

Profitability

Return on Assets (ROA) -0.13%
Return on Equity (ROE) -1.37%
Net Interest Margin (NIM) 3.36%
Yield on Assets 4.90%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 3.62%
Net Charge-Off Ratio 0.67%
Texas Ratio 31.48%
NPA Ratio 3.07%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 20.78%
Tier 1 Capital 20.78%
Total Capital Ratio 21.87%
Leverage Ratio 11.24%
Loan-to-Deposit 45.85%

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