B
The Karnes County National Bank of Karnes City
Rating Date
March 2026
Risk Based
Capital Ratio
21.87
Leverage
Ratio
11.24
Return On
Assets
0.39%
Total
Assets
549.49M
Capital
50.51M
Total
Deposits
497.61M
Net
Income
2.07M
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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 5.00
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 0.60
Stability Index 5.70
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 11.85%
5-Year Asset Growth 6.94%
5-Year Charge-Offs to Average Loans -0.13%
Charge-Offs to Average Loans 0.69%
Non-Performing Assets to Assets 3.10%
Non-Performing Loans to Capital 12.78%
Non-Performing Loans to Loans 3.69%
Balance Sheet The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Total Assets 549.49M
Total Deposits 497.61M
Capital and Reserves The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Capital 50.51M
Leverage Ratio 11.24
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio 21.87
Liquidity The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Hot Money Ratio 20.63%
Liquidity Ratio 39.67%
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 2.07M
Net Interest Spread 3.44%
Operating Profit to Average Assets 0.45%
Overhead Efficiency Ratio 74.62%
Return on Assets 0.39%
Return on Equity 4.41%