The Karnes County National Bank of Karnes City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.52 percentage points lower than in Q1 2026, at 34.29%. Within Texas, The Karnes County National Bank of Karnes City is 294th of 345 on return on assets, 0.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Karnes County National Bank of Karnes City sits 0.51 points lower, at 0.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.43% |
| Tier 1 risk-based capital ratio | 20.43% |
| Total risk-based capital ratio | 21.51% |
| Tier 1 leverage ratio | 10.76% |
| Equity capital to assets | 8.67% |
| Tangible equity to tangible assets | 8.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.02% |
| Non-performing assets ratio | 3.44% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 37.33% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 34.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 8.89% |
| Net interest margin | 3.34% |
| Efficiency ratio | 69.27% |
| Yield on earning assets | 4.87% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.55% |
| Core deposits to total deposits | 86.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.02% |
| Securities to assets | 46.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.89% | 22.89% | 23.83% | 12.15% | 1.05% |
| Q4 2023 | 23.49% | 23.49% | 24.44% | 11.24% | 0.93% |
| Q1 2024 | 22.22% | 22.22% | 23.13% | 11.47% | 0.60% |
| Q2 2024 | 20.66% | 20.66% | 21.52% | 11.39% | 0.70% |
| Q3 2024 | 21.45% | 21.45% | 22.38% | 11.32% | 0.49% |
| Q4 2024 | 21.67% | 21.67% | 22.70% | 11.76% | 0.71% |
| Q1 2025 | 20.91% | 20.91% | 22.13% | 11.99% | 0.41% |
| Q2 2025 | 21.25% | 21.25% | 22.50% | 11.90% | 0.65% |
| Q3 2025 | 21.20% | 21.20% | 22.46% | 11.93% | 0.66% |
| Q4 2025 | 20.78% | 20.78% | 21.87% | 11.24% | -0.12% |
| Q1 2026 | 20.43% | 20.43% | 21.59% | 10.86% | 0.43% |
| Q2 2026 | 20.43% | 20.43% | 21.51% | 10.76% | 0.74% |
The Karnes County National Bank of Karnes City vital signs, all the way back
Vital Signs 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, RC-N, RC-R and RI, 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)