Bank call report · Karnes City, TX
The Karnes County National Bank of Karnes City Call Report
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The Karnes County National Bank of Karnes City filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 325 reported line items, schedule by schedule (737 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 979759 |
| FDIC certificate number | 3279 |
| Total assets | $577.4M |
Official Q2 2026 call report PDF (FFIEC) →
The Karnes County National Bank of Karnes City call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · The Karnes County National Bank of Karnes City balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $577.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $577.4M |
| Total Liabilities and Minority Interest | RCON2948 | $527.3M |
| Total Deposits | RCON2200 | $525.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $368.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $261.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $234.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $230.9M |
| Deposits: Noninterest-bearing | RCON6631 | $157.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $53.3M |
| Total Equity Capital | RCON3210 | $50.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $50.0M |
| Federal Funds Sold | RCONB987 | $25.4M |
| Interest-bearing Balances | RCON0071 | $17.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$14.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $13.5M |
| Other Real Estate Owned | RCON2150 | $10.5M |
| Surplus | RCON3839 | $10.0M |
| Other Assets | RCON2160 | $9.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.5M |
| Held-to-maturity Securities, Total | RCON1754 | $4.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $4.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.2M |
| Other Liabilities, Total | RCON2930 | $1.8M |
| Common Stock | RCON3230 | $750K |
Schedule RI: Income Statement (37 items)
About Schedule RI · The Karnes County National Bank of Karnes City income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.0M |
| Net Interest Income | RIAD4074 | $8.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.0M |
| Total Noninterest Expense | RIAD4093 | $6.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.7M |
| Total Interest Expense | RIAD4073 | $4.1M |
| Salaries and Employee Benefits | RIAD4135 | $3.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.2M |
| Other Noninterest Expense | RIAD4092 | $2.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.7M |
| Net Income (Loss) | RIAD4340 | $1.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $831K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $684K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $673K |
| Other Interest Income | RIAD4518 | $578K |
| Interest on Other Securities | RIAD4060 | $573K |
| Provision for Loan and Lease Losses | RIAD4230 | $480K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $480K |
| Applicable Income Taxes | RIAD4302 | $413K |
| Total Noninterest Income | RIAD4079 | $380K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $366K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $338K |
| Other Noninterest Income | RIADB497 | $266K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $247K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $226K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $191K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $191K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $160K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $114K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $31K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 54 |
Schedule RC-B: Securities (31 items)
About Schedule RC-B · The Karnes County National Bank of Karnes City securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $13.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $12.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $278.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $187.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $178.0M |
| Pledged Securities | RCON0416 | $127.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $103.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $70.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $40.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $35.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $35.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $31.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $29.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $27.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $11.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $5.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $4.1M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $3.9M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $3.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $966K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $237K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $209K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $10K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $4K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · The Karnes County National Bank of Karnes City loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $234.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $76.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $70.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $52.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $42.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $33.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $30.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $27.9M |
| Commercial and Industrial Loans | RCON1766 | $27.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $23.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $22.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $20.5M |
| Pledged Loans and Leases | RCONG378 | $20.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $18.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $13.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $12.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $12.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $11.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $5.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $4.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $4.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.0M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $957K |
| Unearned Income on Loans | RCON2123 | $797K |
| Other Loans | RCONJ464 | $10K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $10.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $649K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $583K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $446K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $214K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $188K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $24K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 48 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 38 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 36 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 10 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · The Karnes County National Bank of Karnes City deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $311.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $251.6M |
| Total Transaction Accounts | RCON2215 | $214.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $204.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $198.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $160.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $72.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $59.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $51.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $44.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $36.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $35.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $32.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $16.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $12.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $9.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $8.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $8.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $3.6M |
| Total reciprocal deposits | RCONJH83 | $3.6M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $3.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $637K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $637K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $4.2M |
| Accrued Interest Receivable | RCONB556 | $2.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $826K |
| Other Assets | RCON2168 | $615K |
| Prepaid Expenses | RCON2166 | $484K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.4M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $703K |
| Accounts Payable | RCON3066 | $497K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $192K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $166K |
| Other Expenses Accrued and Unpaid | RCON3646 | $16K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The Karnes County National Bank of Karnes City quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $595.5M |
| Quarterly Average of Total Loans | RCON3360 | $234.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $200.0M |
| Mortgage-backed Securities | RCONB559 | $181.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $163.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $71.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $59.6M |
| All Other Securities | RCONB560 | $44.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $44.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $36.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $28.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $27.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $26.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $21.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $5.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.7M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · The Karnes County National Bank of Karnes City derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.6M |
| Commercial and Similar Letters of Credit | RCON3411 | $126K |
| Performance Standby Letters of Credit | RCON3821 | $10K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · The Karnes County National Bank of Karnes City memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $10.5M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.4M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · The Karnes County National Bank of Karnes City past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $10.1M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $7.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $3.9M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $993K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $63K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · The Karnes County National Bank of Karnes City other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $595.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $525.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $370.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $153.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $63.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,115 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 387 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 34 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Karnes County National Bank of Karnes City regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $313.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · The Karnes County National Bank of Karnes City regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $595.5M |
| Average total consolidated assets | RCOAKW03 | $595.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $313.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $67.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $64.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $64.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $64.1M |
| Retained Earnings | RCOAKW00 | $53.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $50.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$14.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $10.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.4M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$555K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2151 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2043 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2043 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1351 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1076 |
Schedule RC-R, Part II: Risk-Weighted Assets (55 items)
About Schedule RC-R, Part II · The Karnes County National Bank of Karnes City risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $313.7M |
| Total Risk-weighted Assets | RCONG641 | $313.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $282.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $282.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $261.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $241.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $235.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $235.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $230.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $206.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $200.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $56.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $50.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $50.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $36.6M |
| Total All Other Assets | RCOND981 | $32.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $29.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $29.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $29.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $28.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $28.7M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $25.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $25.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $22.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$19.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$17.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $17.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $14.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $12.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $9.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $7.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 150 Pct Risk Weight Category | RCONS463 | $5.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $5.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $5.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $4.1M |
| Total Held-to-maturity Securities | RCOND961 | $4.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $3.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $3.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $3.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $853K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $555K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $491K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $400K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $126K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $103K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $63K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $25K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $25K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $10K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $5K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $5K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$1K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $50.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $50.5M |
| Total Equity Capital | RIAD3210 | $50.0M |
| Other Comprehensive Income | RIADB511 | -$2.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $120K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · The Karnes County National Bank of Karnes City charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $373K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $271K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $53K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $47K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $3K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
| Charge-offs on Automobile Loans | RIADK129 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · The Karnes County National Bank of Karnes City changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $373K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $1K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $1K |
The Karnes County National Bank of Karnes City call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Karnes County National Bank of Karnes City call report?
The The Karnes County National Bank of Karnes City call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Karnes County National Bank of Karnes City file?
The Karnes County National Bank of Karnes City files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Karnes County National Bank of Karnes City call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Karnes County National Bank of Karnes City has Federal Reserve RSSD ID 979759 and FDIC certificate number 3279. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Karnes County National Bank of Karnes City file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Karnes County National Bank of Karnes City financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3279) · FFIEC NIC profile (RSSD 979759)