KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE is an FDIC-insured commercial bank headquartered in KARNES CITY, TX, established in 1900. As of , 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 3.14%. CET1 capital ratio: 20.78%, well above regulatory minimums. NPL ratio: 3.69% · Texas Ratio: 31.77%. Operates 3 domestic branches.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Karnes County National Bank of Karnes City, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 20.78% | -0.13% | 3.69% | 31.77% | 3.14% |
| 2025-09-30 | 21.20% | 0.68% | 4.46% | 30.85% | 3.23% |
| 2025-06-30 | 21.25% | 0.67% | 5.00% | 34.88% | 3.30% |
| 2025-03-31 | 20.91% | 0.43% | 7.46% | 46.46% | 3.32% |
| 2024-12-31 | 21.67% | 0.73% | 4.49% | 34.53% | 2.97% |
| 2024-09-30 | 21.45% | 0.51% | 6.42% | 27.74% | 2.65% |
| 2024-06-30 | 20.66% | 0.73% | 3.96% | 18.69% | 2.86% |
| 2024-03-31 | 22.22% | 0.62% | 2.36% | 11.27% | 2.70% |
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Frequently asked about KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE
What are Karnes County National Bank of Karnes City, the's total assets?
As of the Q4 2025 filing, Karnes County National Bank of Karnes City, the reported total assets of $549.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Karnes County National Bank of Karnes City, the headquartered?
Karnes County National Bank of Karnes City, the is headquartered in KARNES CITY, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Karnes County National Bank of Karnes City, the founded?
Karnes County National Bank of Karnes City, the was established in 1900, per the FDIC institution directory.
Is Karnes County National Bank of Karnes City, the FDIC-insured?
Yes. Karnes County National Bank of Karnes City, the is an FDIC-insured commercial bank (FDIC Certificate #3279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Karnes County National Bank of Karnes City, the?
Karnes County National Bank of Karnes City, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Karnes County National Bank of Karnes City, the's CET1 capital ratio?
Karnes County National Bank of Karnes City, the reported a Common Equity Tier 1 (CET1) capital ratio of 20.78% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Karnes County National Bank of Karnes City, the operate?
Karnes County National Bank of Karnes City, the operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Karnes County National Bank of Karnes City, the's Texas Ratio?
Karnes County National Bank of Karnes City, the's Texas Ratio is 31.77% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.