Total Assets
$549M
Total balance-sheet footings
FDIC Cert #3279 · Karnes City, Texas · Est. 1900
The Karnes County National Bank of Karnes City - FDIC Bank Health Profile
A community-scale look at The Karnes County National Bank of Karnes City's own numbers, pulled straight from its quarterly FDIC Call Report.
- $549M
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 20.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Karnes County National Bank of Karnes City earns a PlainBankData health grade of C (61/100), with well-capitalized at 20.78% Tier 1, 0.40% ROA, 75% efficiency ratio.
- #1,680
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 20.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Karnes County National Bank of Karnes City's 61/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Karnes County National Bank of Karnes City's composite health score
Tier 1 Capital Ratio (20.78%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (15.48%) 10/20
Efficiency Ratio (74.62%) 4/15
61 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$498M
Customer-funded liabilities
Net Loans
$225M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Karnes County National Bank of Karnes City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Karnes County National Bank of Karnes City's score of 61/100 falls in the highlighted band.
The Karnes County National Bank of Karnes City's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Karnes County National Bank of Karnes City's $549M falls in the highlighted band.
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
20.78%
Texas Ratio
15.48%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
4.43%
Efficiency Ratio
74.62%
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. It holds $549M in total assets - 1,680th of 4,313 FDIC-insured banks, $498M in customer deposits, and $225M in net loans. Looking at capital strength, Tier 1 stands at 20.78%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.48%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (61/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, The Karnes County National Bank of Karnes City ranks 151st of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$23M
Interest Income
$798K
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Karnes County National Bank of Karnes City reports a Texas Ratio of 15.48% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Karnes County National Bank of Karnes City (FDIC Cert #3279) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 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 (61/100) 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, ranking 1,680th of 4,313 FDIC-insured banks by asset size. It is headquartered in Karnes City, Texas.
Is my money safe at The Karnes County National Bank of Karnes City?▼
Yes, deposits at The Karnes County National Bank of Karnes City (Certificate #3279) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for The Karnes County National Bank of Karnes City?▼
The Karnes County National Bank of Karnes City has a Texas Ratio of 15.48%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read The Karnes County National Bank of Karnes City's profile as a depositor or analyst.
- The Karnes County National Bank of Karnes City's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Karnes County National Bank of Karnes City against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.