Kleberg Bank, N.A.: 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: 1005.53 percentage points higher than in Q1 2026, at 1158.39%. Within Texas, Kleberg Bank, N.A. is 220th of 345 on return on assets, 1.23% as of Q2 2026, below the middle of the field. At 1.23%, Kleberg Bank, N.A.'s return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.91% |
| Total risk-based capital ratio | 14.14% |
| Tier 1 leverage ratio | 9.45% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 7.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.89% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 1158.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 12.74% |
| Net interest margin | 4.49% |
| Efficiency ratio | 63.76% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.21% |
| Core deposits to total deposits | 86.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.97% |
| Securities to assets | 16.81% |
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 | 14.23% | 14.23% | 15.44% | 8.66% | 1.23% |
| Q4 2023 | 14.21% | 14.21% | 15.40% | 8.85% | 1.26% |
| Q1 2024 | 14.17% | 14.17% | 15.36% | 9.08% | 1.48% |
| Q2 2024 | 13.84% | 13.84% | 15.03% | 9.16% | 1.30% |
| Q3 2024 | 13.69% | 13.69% | 14.86% | 9.40% | 1.24% |
| Q4 2024 | 13.27% | 13.27% | 14.48% | 9.67% | 0.96% |
| Q1 2025 | 13.13% | 13.13% | 14.32% | 9.53% | 1.22% |
| Q2 2025 | 12.96% | 12.96% | 14.20% | 9.28% | 1.37% |
| Q3 2025 | 13.20% | 13.20% | 14.44% | 9.59% | 1.50% |
| Q4 2025 | 13.13% | 13.13% | 14.35% | 9.56% | 1.34% |
| Q1 2026 | 12.82% | 12.82% | 14.05% | 9.30% | 1.12% |
| Q2 2026 | 12.91% | 12.91% | 14.14% | 9.45% | 1.23% |
Kleberg Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kleberg Bank, N.A., 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 Kleberg Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3286) · FFIEC NIC profile (RSSD 556459)