Kleberg Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Kleberg Bank, N.A. is an FDIC-insured commercial bank headquartered in Kingsville, TX, established in 1926 (FDIC certificate 3286), and it is supervised by the OCC. At Q2 2026 it reported total assets of $736.8M, up 2.7% from Q2 2025, the 118th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3286
- Headquarters
- Kingsville, TX
- Established
- 1926
- Total assets, Q2 2026
- $736.8M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 12.91%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 114912686
- Latest call report
- Q2 2026, FFIEC 051 · Kleberg Bank, N.A. call report
- Holding company
- KLEBERG AND COMPANY BANKERS, INC.
- Asset rank in state
- 118th of 346 in Texas
Kleberg Bank, N.A., based in Kingsville, Texas, reported $737 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 1.15% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $18 million equal 26% of Tier 1 capital, down from 35% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.10% of loans from 0.51%. Where it has less room is capital: it funds 9.45% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Kleberg Bank, N.A. reported a CET1 capital ratio of 12.91%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.82%. The figures come from its call report filed with the FFIEC.
Kleberg Bank, N.A. ranks as the 118th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $736.8M, loans rose 1.7% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 23.8% of total loans, followed by 1-4 family residential loans at 17.9%. Its 4 offices in the FDIC Summary of Deposits are in Corpus Christi, TX and Kingsville, TX; its Corpus Christi 3 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Kleberg Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Kleberg Ave, Kingsville, TX 78363
- County
- Kleberg
- Metro Area
- Kingsville, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Former names
- Kleberg First National Bank of Kingsville (1947-2014)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 131
- Domestic deposits
- $655.5M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $163K
- Average total assets
- $753.4M
- Average total loans
- $514.6M
- Average interest-bearing deposits
- $469.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3286
- Fed RSSD
- 556459
- Website
- WWW.KLEBERGBANK.COM →
- Parent Holding Company
- KLEBERG AND COMPANY BANKERS, INC. (RSSD 1104325)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Kleberg Bank, N.A.'s total assets moved between a low of $693.7M (Q3 2024) and a high of $745.5M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$736.8M total assets against $717.1M; $663.7M total liabilities against $655.1M.
$506.3M net loans and leases against $482.3M; $655.5M total deposits against $626.8M.
$123.9M securities against $142.9M; $44.4M cash and balances due against $30.9M.
$9.6M total interest income against $8.8M; $1.9M total interest expense against $2.1M.
$7.7M net interest income against $6.7M.
$1.3M total noninterest income against $1.3M; $5.8M total noninterest expense against $5.2M.
$220K provision for credit losses against $230K.
$2.3M net income against $2.5M.
1.23% return on assets against 1.37%; 4.49% net interest margin against 3.98%.
12.91% CET1 capital ratio against 12.96%; 9.45% tier 1 leverage ratio against 9.28%.
Inside the full Kleberg Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Kleberg Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,317 of 4,196, for total assets; its furthest is 2,786 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.50% (Q3 2025) and its net interest margin ran from 3.88% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 1.23% | 0.10% | 0.82% | 4.49% |
| Q1 2026 | 12.82% | 1.12% | 0.33% | 2.78% | 4.23% |
| Q4 2025 | 13.13% | 1.34% | 0.41% | 3.58% | 4.26% |
| Q3 2025 | 13.20% | 1.50% | 0.51% | 4.55% | 4.13% |
| Q2 2025 | 12.96% | 1.37% | 0.51% | 4.93% | 3.98% |
| Q1 2025 | 13.13% | 1.22% | 0.50% | 4.67% | 3.90% |
| Q4 2024 | 13.27% | 0.96% | 0.44% | 4.37% | 3.98% |
| Q3 2024 | 13.69% | 1.24% | 0.13% | 1.14% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kleberg Bank, N.A. (main office) | Kingsville , TX | 78363 | $311.4M |
| South Staples Branch | Corpus Christi , TX | 78411 | $239.3M |
| Crosstown Branch | Corpus Christi , TX | 78416 | $73.8M |
| Airline Branch | Corpus Christi , TX | 78412 | $31.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 17, 2007 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 154 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 25 applications, 23 loans originated, $15.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.0M approved, $349K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kleberg Bank, N.A.
What are Kleberg Bank, N.A.'s total assets?
As of the Q2 2026 filing, Kleberg Bank, N.A. reported total assets of $736.8 million in its FFIEC call report.
Where is Kleberg Bank, N.A. headquartered?
It is headquartered in Kingsville, TX, United States.
When was Kleberg Bank, N.A. founded?
It was established in 1926, per the FDIC institution directory.
Is Kleberg Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kleberg Bank, N.A.?
Kleberg Bank, N.A.'s primary federal regulator is the OCC.
What is Kleberg Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Kleberg Bank, N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kleberg Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Kleberg Bank, N.A. previously called?
The charter now named Kleberg Bank, N.A. has also operated as Kleberg First National Bank of Kingsville (1947-2014), per FDIC structure-change records.
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