The Karnes County National Bank of Karnes City: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 4.02% from 3.13% in the prior period. The Karnes County National Bank of Karnes City is a locally rooted FDIC-insured community bank based in Karnes City, TX. Earnings are mid-range, 0.74% ROA and a 3.34% net interest margin. The Karnes County National Bank of Karnes City's Q2 2026 balance sheet shows $577M in assets funded primarily by $526M in customer deposits. Regulatory capital is solid, 20.43% CET1 and 21.51% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 4.02%. It operates 3 branches, primarily in Texas.
As of June 30, 2026, The Karnes County National Bank of Karnes City reported a CET1 capital ratio of 20.43%, a return on assets of 0.74%, a nonperforming-loan ratio of 4.02%, a Texas ratio of 37.33%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 311 E Calvert Ave, Karnes City, TX 78118
- County
- Karnes
- 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
- Offices
- 3 domestic
- Employees (FTE)
- 54
- Domestic deposits
- $525.5M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $370K
- Average total assets
- $595.5M
- Average total loans
- $234.3M
- Average interest-bearing deposits
- $375.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3279
- Fed RSSD
- 979759
- Website
- www.kcnb.com →
- Parent Holding Company
- KARNES COUNTY NATIONAL BANCSHARES, INC. (RSSD 5955851)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Karnes County National Bank of Karnes City, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
The Karnes County National Bank of Karnes City rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Karnes County National Bank of Karnes City: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.43% | 0.74% | 4.02% | 37.33% | 3.34% |
| Q1 2026 | 20.43% | 0.43% | 3.13% | 30.78% | 3.17% |
| Q4 2025 | 20.78% | -0.12% | 3.69% | 31.86% | 3.29% |
| Q3 2025 | 21.20% | 0.66% | 4.46% | 30.94% | 3.45% |
| Q2 2025 | 21.25% | 0.65% | 5.00% | 34.97% | 3.50% |
| Q1 2025 | 20.91% | 0.41% | 7.46% | 52.08% | 3.53% |
| Q4 2024 | 21.67% | 0.71% | 4.49% | 34.91% | 3.17% |
| Q3 2024 | 21.45% | 0.49% | 6.42% | 30.94% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Karnes County National Bank of Karnes City | Karnes City , TX | 78118 | $384.3M |
| Kenedy Branch | Kenedy , TX | 78119 | $124.8M |
| Beeville Branch | Beeville , TX | 78102 | $16.3M |
Regulatory record
What the public regulatory sources show for The Karnes County National Bank of Karnes City, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- December 14, 2016, OCC: Formal Agreement: The Karnes County National Bank of Karnes City
- February 20, 1992, OCC: Formal Agreement: The Karnes County National Bank of Karnes City
- Period: Most recent institution action December 14, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 181 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Karnes County National Bank of Karnes City
What are The Karnes County National Bank of Karnes City's total assets?
As of the Q2 2026 filing, The Karnes County National Bank of Karnes City reported total assets of $577.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Karnes County National Bank of Karnes City headquartered?
The Karnes County National Bank of Karnes City is headquartered in Karnes City, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
Is The Karnes County National Bank of Karnes City FDIC-insured?
Yes. The Karnes County National Bank of Karnes City is an FDIC-insured commercial bank (FDIC Certificate #3279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Karnes County National Bank of Karnes City?
The Karnes County National Bank of Karnes City's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Karnes County National Bank of Karnes City's CET1 capital ratio?
The Karnes County National Bank of Karnes City reported a Common Equity Tier 1 (CET1) capital ratio of 20.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Karnes County National Bank of Karnes City operate?
The Karnes County National Bank of Karnes City operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Karnes County National Bank of Karnes City's Texas Ratio?
The Karnes County National Bank of Karnes City's Texas Ratio is 37.33% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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