KRESS NATIONAL BANK

KRESS, TX | Micro | Est. Sept. 17, 1963, midnight | FDIC #18892 | RSSD #995955 | OCC
Latest Report: 2025-12-31

KRESS NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in KRESS, TX, established in Sept. 17, 1963, midnight. As of 2025-12-31, the bank reported total assets of $60M and total deposits of $54M. Profitability stands at 1.03% ROA and 10.17% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 29.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18892.

Assets

$60M

Deposits

$54M

Loans

$16M

Equity

$6M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 10.17%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.42%
Cost of Funds 2.90%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.37%

Capital & Liquidity

CET1 Ratio 29.16%
Tier 1 Capital 29.16%
Total Capital Ratio 30.42%
Leverage Ratio 10.82%
Loan-to-Deposit 29.02%

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