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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 3279 · TX C · 61/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (61/100)
  • LOWER-Q #3746/4307
  • PHOTO-FINISH Mount Vernon Bank · GA
  • TIER1-WELL 20.8% Tier 1
  • TEXAS-HEALTHY 15.5% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Mount Vernon Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Karnes County National Bank of Ka…

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100All America Bank · OK · near61/100Bank of Moundville · AL · ne…61/100First Central Bank · NE · ne…61/100Mount Vernon Bank · GA · near61/100The Karnes County Na… · TX ·…61/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Karnes County National Bank of Ka… · July 2026

Call Report read for The Karnes County National Bank of Ka… in a high-failure state

The Karnes County National Bank of Karnes City (FDIC Cert #3279) carries a PlainBankData health grade of C at 61/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,746 of 4,307. Tier 1 capital prints at 20.78%, clearing the 10% well-capitalized line. The Texas Ratio is 15.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $549M, 1,680th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mount Vernon Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Karnes County National Bank of Ka…

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

The Karnes County National Bank of Karnes City sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The Karnes County National Bank of Karnes City's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

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.

0/100100/100National avg77/10061/100
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 Assets

$549M

Total balance-sheet footings

Total Deposits

$498M

Customer-funded liabilities

Net Loans

$225M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.38% 20.78% 22.18%
Basel III capital ratios - The Karnes County National Bank of Karnes City

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

61 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Karnes County National Bank of Ka… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at The Karnes County National Bank of Ka…

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

What these ratios mean →

Profitability metrics: The Karnes County National Bank of Ka…

Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
4.43%
Efficiency Ratio
74.62%

What these mean →

Income & expense at The Karnes County National Bank of Ka…

$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.

FDIC Failed Bank List → View The Karnes County National Bank of Karnes City on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($549M here), outside Texas so the neighborhood is not state containment.

Mid-America Bank $549M · KS The Murray Bank $549M · KY Intracoastal Bank $551M · FL Hyperion Bank $551M · PA

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.

The Karnes County National Bank of Karnes City Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%