Bank Safety Analysis
Is The Karnes County National Bank of Karnes City Safe? Karnes City, Texas
Based on its Q3 2026 call report, The Karnes County National Bank of Karnes City meets every capital ratio test for well capitalized, its Texas ratio is 31.78%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Karnes County National Bank of Karnes City safe?
On its Q3 2026 call report, The Karnes County National Bank of Karnes City's CET1 ratio is 20.73%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 20.73%
- Tier 1 leverage ratio (Q3 2026): 11.04%
- Texas ratio (Q3 2026): 31.78%
- Noncurrent loans ratio (Q3 2026): 2.21%
The Karnes County National Bank of Karnes City is an FDIC-insured commercial bank (FDIC Certificate #3279). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Karnes County National Bank of Karnes City (FDIC Certificate #3279) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
The Karnes County National Bank of Karnes City meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
Net interest margin rose 0.32 percentage points from Q2 2026 to Q3 2026, ending at 3.66% against 3.34%. It was the largest change among the key lines on this page. Within Texas, The Karnes County National Bank of Karnes City is 58th of 183 on CET1 ratio, 20.73% as of Q3 2026. The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. The Karnes County National Bank of Karnes City sits 5.48 points higher, at 20.73% (Q3 2026). From Q4 2023 to Q3 2026, The Karnes County National Bank of Karnes City's CET1 ratio ranged between 20.43% (Q1 2026) and 23.49% (Q4 2023) and its Texas ratio ranged between 6.39% (Q4 2023) and 52.06% (Q1 2025). Between Q3 2025 and Q3 2026, The Karnes County National Bank of Karnes City's CET1 ratio fell from 21.20% to 20.73%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 4.41% to 2.21%, Texas ratio rose from 30.63% to 31.78% and return on assets rose from 0.66% to 0.76%.
By total assets at Q3 2026, The Karnes County National Bank of Karnes City is the 151st largest of the 345 banks headquartered in Texas. Non-owner-occupied commercial real estate loans are its largest loan category, $75.7M of $237.1M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Karnes County National Bank of Karnes City's CET1 ratio of 20.73% is above the 15.24% median, Tier 1 leverage ratio of 11.04% is below the 11.09% median, nonperforming loans ratio of 2.21% is above the 0.43% median, Texas ratio of 31.78% is above the 2.96% median, and efficiency ratio of 65.76% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does The Karnes County National Bank of Karnes City score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Karnes County National Bank of Karnes City trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 20.73% | Within range |
| Texas ratio BankRegReports band | 31.78% | Within range |
| Nonperforming loan ratio BankRegReports band | 2.21% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 46.85% | Within range |
| Commercial real estate to capital supervisory threshold | 189.89% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.21% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 20.73% |
| Q2 2026 | 20.43% |
| Q1 2026 | 20.43% |
| Q4 2025 | 20.78% |
| Q3 2025 | 21.20% |
| Q2 2025 | 21.25% |
| Q1 2025 | 20.91% |
| Q4 2024 | 21.67% |
| Q3 2024 | 21.45% |
| Q2 2024 | 20.66% |
| Q1 2024 | 22.22% |
| Q4 2023 | 23.49% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 31.78% |
| Q2 2026 | 29.12% |
| Q1 2026 | 30.76% |
| Q4 2025 | 31.56% |
| Q3 2025 | 30.63% |
| Q2 2025 | 34.95% |
| Q1 2025 | 52.06% |
| Q4 2024 | 34.91% |
| Q3 2024 | 30.69% |
| Q2 2024 | 31.00% |
| Q1 2024 | 21.09% |
| Q4 2023 | 6.39% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $75.7M
- Construction and land development loans: $41.8M
- 1-4 family residential loans: $31.9M
- Commercial and industrial loans: $26.1M
- Owner-occupied commercial real estate loans: $24.9M
- Multifamily loans: $12.5M
- Agricultural production loans: $6.3M
- Other consumer loans: $4.3M
How have The Karnes County National Bank of Karnes City's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $555.0M | 20.73% | 11.04% | 2.21% | 31.78% | 65.76% |
| Jun 30, 2026 | $577.4M | 20.43% | 10.76% | 2.15% | 29.12% | 69.27% |
| Mar 31, 2026 | $579.7M | 20.43% | 10.86% | 3.15% | 30.76% | 72.67% |
| Dec 31, 2025 | $549.5M | 20.78% | 11.24% | 3.64% | 31.56% | 90.22% |
| Sep 30, 2025 | $521.7M | 21.20% | 11.93% | 4.41% | 30.63% | 70.17% |
| Jun 30, 2025 | $500.5M | 21.25% | 11.90% | 5.02% | 34.95% | 65.93% |
| Mar 31, 2025 | $501.1M | 20.91% | 11.99% | 8.70% | 52.06% | 66.94% |
| Dec 31, 2024 | $491.3M | 21.67% | 11.76% | 4.57% | 34.91% | 68.72% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Karnes County National Bank of Karnes City FDIC insured?
Yes. The Karnes County National Bank of Karnes City is an FDIC-insured commercial bank (FDIC Certificate #3279). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Karnes County National Bank of Karnes City well capitalized?
On its Q3 2026 call report, The Karnes County National Bank of Karnes City's CET1 ratio is 20.73%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The Karnes County National Bank of Karnes City's key safety ratios?
For Q3 2026, The Karnes County National Bank of Karnes City reports CET1 20.73%, leverage 11.04%, Texas ratio 31.78%, noncurrent loans 2.21%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Karnes County National Bank of Karnes City fails?
For Q3 2026, The Karnes County National Bank of Karnes City reported $506.1M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Karnes County National Bank of Karnes City profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.