Bank Comparison
First Federal Savings Bank vs Karnes County National Bank of Karnes City, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| CET1 Ratio | — | 20.43% |
| Tier 1 Capital Ratio | — | 20.43% |
| Total Capital Ratio | — | 21.59% |
| Tier 1 Leverage Ratio | 9.38% | 10.86% |
| Equity / Assets | 9.06% | 8.56% |
Profitability
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| Return on Assets (ROA) | 0.29% | 0.43% |
| Return on Equity (ROE) | 3.22% | 5.04% |
| Net Interest Margin (NIM) | 3.12% | 3.17% |
| Yield on Earning Assets | 5.41% | 4.66% |
| Cost of Funds | 2.35% | 1.59% |
Asset quality
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| Texas Ratio | 11.59% | 30.78% |
| Non-Performing Loan Ratio | 1.32% | 3.13% |
| Non-Performing Asset Ratio | 0.98% | 2.81% |
| Net Charge-Off Ratio | 0.00% | 0.17% |
| ACL / Loans | 1.14% | 1.47% |
Balance sheet
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| Total Assets | $578,952K | $579,700K |
| Total Deposits | $458,027K | $528,491K |
| Total Loans | $431,627K | $234,086K |
| Total Equity | $52,481K | $49,611K |
| Net Income (quarter) | $427 | $631 |
Liquidity & funding
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| Loan-to-Deposit Ratio | 94.24% | 44.29% |
| Core Deposit Ratio | 93.04% | 87.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings Bank | Karnes County National Bank of Karnes City, the |
|---|---|---|
| Headquarters City | EVANSVILLE | KARNES CITY |
| Headquarters State | IN | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 5614 |
| Regulator | FDIC | OCC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 129 | 56 |
| Established | July 1, 1934, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Federal Savings Bank profile | View full Karnes County National Bank of Karnes City, the profile | Browse all bank comparisons