The Karnes County National Bank of Karnes City
The Karnes County National Bank of Karnes City is an FDIC-insured commercial bank headquartered in Karnes City, TX, supervised by the OCC, with $555.0M in total assets at Q3 2026, up 6.4% from Q3 2025, the 151st largest of 345 banks headquartered in Texas. Its FDIC certificate number is 3279. Its CET1 capital ratio was 20.73% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as KCNB of Karnes City
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3279
- Headquarters
- Karnes City, TX
- Established
- Not reported
- Total assets, Q3 2026
- $555.0M
- Assets vs Q3 2025
- +6.4%
- CET1 ratio, Q3 2026
- 20.73%
- Domestic offices
- 3 branches
- Routing number
- 114911234
- Safety and soundness
- Is The Karnes County National Bank of Karnes City safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Karnes County National Bank of Karnes City call report
- Holding company
- KARNES COUNTY NATIONAL BANCSHARES, INC.
- Asset rank in state
- 151st of 345 in Texas
The Karnes County National Bank of Karnes City, based in Karnes City, Texas, reported $555 million in assets at September 30, 2026, up 6.4% from a year earlier. It carries problem assets equal to 31.8% of the capital and reserves that would absorb them, 10.7 times the median of 3.0% for the 2,624 banks with $100 million to $1 billion in assets. It also earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.30).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 2.21% of loans from 4.41%. Unrealized losses on its securities total $20 million, equal to 31% of Tier 1 capital, against 25% a year earlier.
As of September 30, 2026, The Karnes County National Bank of Karnes City reported a CET1 capital ratio of 20.73%, a return on assets of 0.76%, a nonperforming-loan ratio of 2.21% and a Texas ratio of 31.78%. The figures come from its call report filed with the FFIEC.
The Karnes County National Bank of Karnes City ranks as the 151st largest of the 345 banks based in Texas, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 3.9% to $555.0M, loans rose 1.3% and deposits fell 3.7%. Non-owner-occupied commercial real estate loans made up 31.9% of its total loans on September 30, 2026, its largest category; next came construction and land development loans at 17.7%. Its 3 offices in the FDIC Summary of Deposits are in Karnes City, TX, Kenedy, TX and Beeville, TX; its Karnes City office books 73% of its branch deposits. Judged on its Q3 2026 call report, The Karnes County National Bank of Karnes City meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 311 E Calvert Ave, Karnes City, TX 78118
- County
- Karnes
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 3 branches
- Employees (FTE)
- 57
- Domestic deposits
- $506.1M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $427K
- Average total assets
- $590.5M
- Average total loans
- $235.8M
- Average interest-bearing deposits
- $352.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3279
- Fed RSSD
- 979759
- Website
- www.kcnb.com →
- Parent Holding Company
- KARNES COUNTY NATIONAL BANCSHARES, INC. (RSSD 5955851)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The Karnes County National Bank of Karnes City's total assets ranged from $491.3M (Q4 2024) to $579.7M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$555.0M total assets against $521.7M; $508.8M total liabilities against $471.5M.
$233.8M net loans and leases against $232.3M; $506.1M total deposits against $469.5M.
$268.1M securities against $212.2M; $18.4M cash and balances due against $50.7M.
$6.6M total interest income against $5.8M; $1.9M total interest expense against $1.7M.
$4.8M net interest income against $4.0M.
$196K total noninterest income against $181K; $3.4M total noninterest expense against $3.0M.
$150K provision for credit losses against $80K.
$1.1M net income against $870K.
0.76% return on assets against 0.66%; 3.66% net interest margin against 3.45%.
20.73% CET1 capital ratio against 21.20%; 11.04% tier 1 leverage ratio against 11.93%.
Inside the full The Karnes County National Bank of Karnes City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Karnes County National Bank of Karnes City rankings
Its closest position to the top of a national ranking is 68 of 3,644, for Texas Ratio; its furthest is 2,959 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -0.12% (Q4 2025) to 0.76% (Q3 2026) and its net interest margin ran from 3.17% (Q4 2024) to 3.66% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 20.73% | 0.76% | 2.21% | 31.78% | 3.66% |
| Q2 2026 | 20.43% | 0.74% | 2.15% | 29.12% | 3.34% |
| Q1 2026 | 20.43% | 0.43% | 3.15% | 30.76% | 3.17% |
| Q4 2025 | 20.78% | -0.12% | 3.64% | 31.56% | 3.29% |
| Q3 2025 | 21.20% | 0.66% | 4.41% | 30.63% | 3.45% |
| Q2 2025 | 21.25% | 0.65% | 5.02% | 34.95% | 3.50% |
| Q1 2025 | 20.91% | 0.41% | 8.70% | 52.06% | 3.53% |
| Q4 2024 | 21.67% | 0.71% | 4.57% | 34.91% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Karnes County National Bank of Karnes City | Karnes City , TX | 78118 | $384.3M |
| Kenedy Branch | Kenedy , TX | 78119 | $124.8M |
| Beeville Branch | Beeville , TX | 78102 | $16.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- December 14, 2016, OCC: Formal Agreement: The Karnes County National Bank of Karnes City
- February 20, 1992, OCC: Formal Agreement: The Karnes County National Bank of Karnes City
- Period: Most recent institution action December 14, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 181 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Karnes County National Bank of Karnes City
What are The Karnes County National Bank of Karnes City's total assets?
As of the Q3 2026 filing, The Karnes County National Bank of Karnes City reported total assets of $555.0 million in its FFIEC call report.
Where is The Karnes County National Bank of Karnes City headquartered?
It is headquartered in Karnes City, TX, United States.
Is The Karnes County National Bank of Karnes City FDIC-insured?
Yes. It 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 The Karnes County National Bank of Karnes City?
The Karnes County National Bank of Karnes City's primary federal regulator is the OCC.
What is The Karnes County National Bank of Karnes City's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.73% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Karnes County National Bank of Karnes City operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Karnes County National Bank of Karnes City's Texas Ratio?
Its Texas Ratio is 31.78% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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