The Karnes County National Bank of Karnes City: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.00 percentage points lower than in Q1 2026, at 195.61%. The Karnes County National Bank of Karnes City ranks 289th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 44.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Karnes County National Bank of Karnes City sits 36.39 points lower, at 44.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.1M |
| Net loans and leases | $230.9M |
| Loans held for sale | $0 |
| Loans to total assets | 40.55% |
| Loan-to-deposit ratio | 44.55% |
| Net loans to equity capital | 4.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.63% |
| Multifamily (5+ residential) | 5.32% |
| Commercial and industrial | 11.74% |
| Consumer | 2.01% |
| Credit cards | 0.00% |
| Farm | 5.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.61% |
| Construction concentration (Tier 1 capital + allowance) | 62.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.92% |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $182.0M | $425.8M | 45.54% | 7.40% | 1.96% |
| Q4 2023 | $184.4M | $440.0M | 43.55% | 7.78% | 1.80% |
| Q1 2024 | $195.8M | $429.3M | 43.48% | 9.02% | 1.61% |
| Q2 2024 | $202.1M | $446.0M | 45.01% | 8.82% | 1.55% |
| Q3 2024 | $211.1M | $434.8M | 44.05% | 7.91% | 1.48% |
| Q4 2024 | $203.7M | $448.4M | 41.63% | 7.14% | 1.46% |
| Q1 2025 | $218.4M | $454.5M | 43.33% | 7.02% | 1.63% |
| Q2 2025 | $225.0M | $452.8M | 42.20% | 8.06% | 1.75% |
| Q3 2025 | $236.2M | $469.5M | 42.12% | 9.44% | 1.80% |
| Q4 2025 | $228.2M | $497.6M | 43.28% | 9.44% | 2.04% |
| Q1 2026 | $234.1M | $528.5M | 42.20% | 11.01% | 1.95% |
| Q2 2026 | $234.1M | $525.5M | 42.63% | 11.74% | 2.01% |
The Karnes County National Bank of Karnes City loan portfolio, all the way back
Loan Portfolio 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-C, 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)