Kress National Bank
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Data as of · sourced from FFIEC call reports. How we update
Kress National Bank is an FDIC-insured commercial bank headquartered in Kress, TX, established in 1963 (FDIC certificate 18892), and it is supervised by the OCC. At Q2 2026 it reported total assets of $63.7M, up 17.5% from Q2 2025, the 328th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 29.71% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18892
- Headquarters
- Kress, TX
- Established
- 1963
- Total assets, Q2 2026
- $63.7M
- Assets vs Q2 2025
- +17.5%
- CET1 ratio, Q2 2026
- 29.71%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111301614
- Latest call report
- Q2 2026, FFIEC 051 · Kress National Bank call report
- Holding company
- KRESS NATIONAL BANCSHARES, INC.
- Asset rank in state
- 328th of 346 in Texas
Kress National Bank, based in Kress, Texas, reported $64 million in assets at June 30, 2026, up 17.5% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 16.3% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 12% from a year earlier, to $246,000. Over the same year, loans shrank 16.3% and deposits grew 19.6%. Where it has less room is capital: it funds 9.64% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Kress National Bank reported a CET1 capital ratio of 29.71%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Kress National Bank is the 328th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.0% to $63.7M, loans rose 0.5% and deposits fell 3.3%. Agricultural production loans made up 52.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.6%. Its one office in the FDIC Summary of Deposits is in Kress, TX. On its Q2 2026 call report, Kress National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W 4th St, Kress, TX 79052
- County
- Swisher
- 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
- —
- Call Report form
- FFIEC 051
- Established
- September 17, 1963
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $57.5M
- Allowance for credit losses
- $387K
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $65.5M
- Average total loans
- $15.2M
- Average interest-bearing deposits
- $41.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 1963
- FDIC Cert
- 18892
- Fed RSSD
- 995955
- SEC CIK
- 1089215 → filed by KRESS NATIONAL BANCSHARES, INC.
- Website
- WWW.KNBKRESS.COM →
- Parent Holding Company
- KRESS NATIONAL BANCSHARES, INC. (RSSD 2741307)
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
From Q3 2023 to Q2 2026, Kress National Bank's total assets ranged from $48.7M (Q3 2024) to $65.7M (Q1 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
$63.7M total assets against $54.2M; $57.8M total liabilities against $48.4M.
$14.8M net loans and leases against $17.8M; $57.5M total deposits against $48.1M.
$25.4M securities against $15.6M; $22.7M cash and balances due against $19.9M.
$793K total interest income against $745K; $256K total interest expense against $257K.
$537K net interest income against $488K.
$24K total noninterest income against $22K; $315K total noninterest expense against $291K.
$0 provision for credit losses against $0.
$246K net income against $219K.
1.50% return on assets against 1.58%; 3.37% net interest margin against 3.65%.
29.71% CET1 capital ratio against 25.34%; 9.64% tier 1 leverage ratio against 10.82%.
Inside the full Kress National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q4 2024) to 1.58% (Q2 2025) and its net interest margin ran from 2.95% (Q1 2026) to 3.71% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.71% | 1.50% | 0.00% | 0.00% | 3.37% |
| Q1 2026 | 30.59% | 1.06% | 0.00% | 0.00% | 2.95% |
| Q4 2025 | 29.16% | 1.07% | 0.00% | 0.00% | 3.40% |
| Q3 2025 | 24.33% | 1.40% | 0.00% | 0.00% | 3.48% |
| Q2 2025 | 25.34% | 1.58% | 0.00% | 0.00% | 3.65% |
| Q1 2025 | 26.53% | 1.47% | 0.00% | 0.00% | 3.57% |
| Q4 2024 | 24.09% | 0.74% | 0.00% | 0.00% | 3.71% |
| Q3 2024 | 23.89% | 1.17% | 0.00% | 0.00% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Kress National Bank (main office) | Kress , TX | 79052 | $57.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 404 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $68K approved, $68K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Kress National Bank
What are Kress National Bank's total assets?
As of the Q2 2026 filing, Kress National Bank reported total assets of $63.7 million in its FFIEC call report.
Where is Kress National Bank headquartered?
It is headquartered in Kress, TX, United States.
When was Kress National Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Kress National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kress National Bank?
Kress National Bank's primary federal regulator is the OCC.
What is Kress National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kress National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kress National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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