B
The Karnes County National Bank of Karnes City
Rating Date
October 2025
Risk Based
Capital Ratio
22.46
Leverage
Ratio
11.93
Return On
Assets
0.57%
Total
Assets
521.70M
Capital
50.24M
Total
Deposits
469.49M
Net
Income
2.24M
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Weiss Ratings The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Rating B
Asset Quality Index 4.70
Capitalization Index 10.00
Liquidity Index 4.00
Profitability Index 3.40
Stability Index 6.40
Company Info The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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FDIC Number 3279
Phone Number (830) 780-3317
Website www.kcnb.com
Asset Quality The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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1-Year Asset Growth 1.46%
5-Year Asset Growth 3.12%
5-Year Charge-Offs to Average Loans -0.13%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 3.20%
Non-Performing Loans to Capital 15.59%
Non-Performing Loans to Loans 4.46%
Balance Sheet The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Total Assets 521.70M
Total Deposits 469.49M
Capital and Reserves The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Capital 50.24M
Leverage Ratio 11.93
Loan Loss Reserves to Loans 1.65%
Risk-Based Capital Ratio 22.46
Liquidity The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Hot Money Ratio 22.33%
Liquidity Ratio 34.88%
Profitability The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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5-Year Return on Average Assets 0.76%
Net Income 2.24M
Net Interest Spread 3.49%
Operating Profit to Average Assets 0.70%
Overhead Efficiency Ratio 68.72%
Return on Assets 0.57%
Return on Equity 6.54%