B
The Karnes County National Bank of Karnes City
Rating Date
August 2026
Risk Based
Capital Ratio
21.51
Leverage
Ratio
10.76
Return On
Assets
0.59%
Total
Assets
577.38M
Capital
50.05M
Total
Deposits
525.53M
Net
Income
1.74M
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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 4.80
Capitalization Index 9.60
Liquidity Index 4.30
Profitability Index 3.40
Stability Index 4.70
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 15.36%
5-Year Asset Growth 6.94%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.32%
Non-Performing Assets to Assets 3.44%
Non-Performing Loans to Capital 10.72%
Non-Performing Loans to Loans 4.02%
Balance Sheet The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Total Assets 577.38M
Total Deposits 525.53M
Capital and Reserves The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Capital 50.05M
Leverage Ratio 10.76
Loan Loss Reserves to Loans 1.38%
Risk-Based Capital Ratio 21.51
Liquidity The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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Hot Money Ratio 20.62%
Liquidity Ratio 35.29%
Profitability The Karnes County National Bank of Karnes City
Karnes City, TX 		Click to
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5-Year Return on Average Assets 0.73%
Net Income 1.74M
Net Interest Spread 3.25%
Operating Profit to Average Assets 0.73%
Overhead Efficiency Ratio 71.43%
Return on Assets 0.59%
Return on Equity 6.96%