The Karnes County National Bank of Karnes City: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos climbed 159.4% in Q2 2026, from $9.8M to $25.4M. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Karnes County National Bank of Karnes City is 289th of 346 on loan-to-deposit ratio, 44.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Karnes County National Bank of Karnes City sits 36.28 points lower, at 44.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $313.3M |
| Fed funds sold and reverse repos | $25.4M |
| Fed funds sold and reverse repos to assets | 4.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.55% |
| Net loans and leases to deposits | 43.94% |
| Loans and leases to core deposits | 51.66% |
| Core deposits to total deposits | 86.25% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 42.75% | 95.47% | $0 | $30.0M |
| Q4 2023 | 41.91% | 95.34% | $0 | $30.0M |
| Q1 2024 | 45.62% | 89.70% | $0 | $30.0M |
| Q2 2024 | 45.32% | 87.70% | $0 | $30.0M |
| Q3 2024 | 48.56% | 89.33% | $0 | $30.0M |
| Q4 2024 | 45.43% | 89.36% | $0 | $0 |
| Q1 2025 | 48.06% | 88.58% | $0 | $0 |
| Q2 2025 | 49.69% | 86.14% | $0 | $0 |
| Q3 2025 | 50.31% | 84.93% | $0 | $0 |
| Q4 2025 | 45.85% | 85.65% | $0 | $0 |
| Q1 2026 | 44.29% | 87.09% | $0 | $0 |
| Q2 2026 | 44.55% | 86.25% | $0 | $0 |
The Karnes County National Bank of Karnes City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Karnes County National Bank of Karnes City, freeSource: Call Report Schedules RC and RC-M, 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)