The Karnes County National Bank of Karnes City: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 3.34%. Within Texas, The Karnes County National Bank of Karnes City is 282nd of 345 on net interest margin, 3.34% as of Q2 2026, below the middle of the field. The Karnes County National Bank of Karnes City reported 3.34% on net interest margin for Q2 2026, 0.61 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 6.92% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.27% | 1.08% | 3.23% | 6.10% | 2.64% |
| Q4 2023 | 4.50% | 1.35% | 3.17% | 6.23% | 2.69% |
| Q1 2024 | 4.41% | 1.52% | 2.92% | 6.19% | 2.64% |
| Q2 2024 | 4.75% | 1.67% | 3.09% | 6.59% | 2.69% |
| Q3 2024 | 4.44% | 1.69% | 2.82% | 5.97% | 2.63% |
| Q4 2024 | 4.63% | 1.53% | 3.17% | 6.45% | 2.65% |
| Q1 2025 | 4.87% | 1.38% | 3.53% | 6.99% | 2.90% |
| Q2 2025 | 4.90% | 1.45% | 3.50% | 6.90% | 2.89% |
| Q3 2025 | 4.91% | 1.51% | 3.45% | 6.75% | 2.92% |
| Q4 2025 | 4.77% | 1.55% | 3.29% | 6.63% | 2.99% |
| Q1 2026 | 4.66% | 1.58% | 3.17% | 6.77% | 3.14% |
| Q2 2026 | 4.87% | 1.58% | 3.34% | 6.92% | 3.19% |
The Karnes County National Bank of Karnes City yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Karnes County National Bank of Karnes City, freeSource: Call Report Schedules RI and RC-K, 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)