Total Assets
$549M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Karnes County National Bank of Karnes City — FDIC Bank Health Profile
Karnes City, Texas · Est. 1900. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #3279 Dallas Region
C
Health grade
Fair
Score: 51/100
Basel III capital ratios — The Karnes County National Bank of Karnes City
Total Deposits
$498M
Customer-funded liabilities
Net Loans
$225M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
20.78% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
20.78%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$51M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.40%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
4.43%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
74.62%
Income & Expense Breakdown
$23M
Interest Income
$798K
Non-Interest Income
$13M
Non-Interest Expense
FDIC Deposit Insurance
The Karnes County National Bank of Karnes City is FDIC-insured (Certificate #3279). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Karnes County National Bank of Karnes City
The Karnes County National Bank of Karnes City is an FDIC-insured institution (Certificate #3279) headquartered in Karnes City, Texas, established in 1900. The bank currently holds $549M in total assets and $498M in customer deposits, with $225M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Karnes County National Bank of Karnes City reports a Tier 1 Capital Ratio of 20.78% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $51M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.40% and a Return on Equity of 4.43%, with an Efficiency Ratio of 74.62% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (51/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Karnes County National Bank of Karnes City is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Texas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Karnes County National Bank of Karnes City (FDIC Cert #3279) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSB Westlake | $253.8B | B | 0.94% |
| Frost Bank San Antonio | $53.1B | C | 1.26% |
| Prosperity Bank El Campo | $38.5B | B | 1.44% |
| Texas Capital Bank Dallas | $31.3B | B | 1.10% |
| Charles Schwab Premier Bank, SSB Westlake | $27.0B | B | 1.47% |
| First Financial Bank Abilene | $15.4B | A | 1.64% |
| NexBank Dallas | $13.9B | B | 1.17% |
| PlainsCapital Bank University Park | $12.7B | C | 1.05% |
Frequently Asked Questions
What is The Karnes County National Bank of Karnes City's health grade? ▼
The Karnes County National Bank of Karnes City receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Karnes County National Bank of Karnes City? ▼
The Karnes County National Bank of Karnes City holds $549M in total assets and $498M in deposits. It is headquartered in Karnes City, Texas.
Is my money safe at The Karnes County National Bank of Karnes City? ▼
Yes. The Karnes County National Bank of Karnes City is FDIC-insured (Certificate #3279). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Karnes County National Bank of Karnes City's Tier 1 Capital Ratio? ▼
The Karnes County National Bank of Karnes City has a Tier 1 Capital Ratio of 20.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Karnes County National Bank of Karnes City? ▼
The Karnes County National Bank of Karnes City has an Efficiency Ratio of 74.62%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.