The Karnes County National Bank of Karnes City: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.1% in Q2 2026 to -$14.0M, the biggest move on this page. Within Texas, The Karnes County National Bank of Karnes City is 58th of 184 on CET1 ratio, 20.43% as of Q2 2026, above the middle of the field. The Karnes County National Bank of Karnes City reported 20.43% on CET1 ratio for Q2 2026, 5.36 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.43% |
| Tier 1 risk-based capital ratio | 20.43% |
| Total risk-based capital ratio | 21.51% |
| Tier 1 leverage ratio | 10.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.1M |
| Tier 1 capital | $64.1M |
| Total risk-based capital | $67.5M |
| Total equity capital | $50.0M |
| Risk-weighted assets | $313.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.67% |
| Tangible equity to tangible assets | 8.67% |
| Equity capital to average assets | 8.40% |
| Internal capital growth rate | 7.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $10.0M |
| Retained earnings | $53.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.89% | 22.89% | 23.83% | 12.15% | $251.0M |
| Q4 2023 | 23.49% | 23.49% | 24.44% | 11.24% | $248.3M |
| Q1 2024 | 22.22% | 22.22% | 23.13% | 11.47% | $266.0M |
| Q2 2024 | 20.66% | 20.66% | 21.52% | 11.39% | $289.9M |
| Q3 2024 | 21.45% | 21.45% | 22.38% | 11.32% | $282.4M |
| Q4 2024 | 21.67% | 21.67% | 22.70% | 11.76% | $280.9M |
| Q1 2025 | 20.91% | 20.91% | 22.13% | 11.99% | $293.6M |
| Q2 2025 | 21.25% | 21.25% | 22.50% | 11.90% | $292.4M |
| Q3 2025 | 21.20% | 21.20% | 22.46% | 11.93% | $297.1M |
| Q4 2025 | 20.78% | 20.78% | 21.87% | 11.24% | $300.6M |
| Q1 2026 | 20.43% | 20.43% | 21.59% | 10.86% | $308.9M |
| Q2 2026 | 20.43% | 20.43% | 21.51% | 10.76% | $313.7M |
The Karnes County National Bank of Karnes City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Karnes County National Bank of Karnes City, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Karnes County National Bank of Karnes City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3279) · FFIEC NIC profile (RSSD 979759)