The Karnes County National Bank of Karnes City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Karnes County National Bank of Karnes City of Karnes City, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.34% | -0.60% | 21st bottom |
| ROAE | 8.89% | 13.32% | -4.43% | 30th below |
| Net Interest Margin | 3.34% | 3.93% | -0.59% | 21st bottom |
| Efficiency Ratio | 69.27% | 61.13% | +8.14% | 30th below |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 20th bottom |
| Yield on Earning Assets | 4.87% | 5.67% | -0.80% | 19th bottom |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 2.63% | 3.32% | -0.69% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.02% | 0.94% | +3.08% | 3rd bottom |
| NPA / Total Assets | 3.44% | 0.70% | +2.74% | 2nd bottom |
| NCO / Avg Loans | 0.46% | 0.16% | +0.30% | 6th bottom |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| ACL / NPLs (Coverage) | 34.29% | 1539.59% | -1505.30% | 5th bottom |
| Texas Ratio | 37.33% | 7.32% | +30.01% | 2nd bottom |
| Provision / NCO | 129.73% | 1396.57% | -1266.84% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.43% | 19.50% | +0.93% | 79th top |
| Tier 1 Ratio | 20.43% | 19.53% | +0.90% | 79th top |
| Total Capital Ratio | 21.51% | 20.62% | +0.89% | 79th top |
| Leverage Ratio | 10.76% | 12.14% | -1.38% | 46th below |
| Equity / Assets | 8.67% | 11.38% | -2.71% | 22nd bottom |
| TCE / Tangible Assets | 8.67% | 11.09% | -2.42% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.55% | 80.66% | -36.11% | 94th top |
| Core Deposit Ratio | 86.25% | 86.86% | -0.61% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.36% | 6.85% | +8.51% | 92nd top |
| Loan Growth (Y/Y) | 4.08% | 7.90% | -3.82% | 43rd below |
| Deposit Growth (Y/Y) | 16.07% | 6.28% | +9.79% | 92nd top |
See The Karnes County National Bank of Karnes City's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Karnes County National Bank of Karnes City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Karnes County National Bank of Karnes City profile, how to read a UBPR, or how this data updates.