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The Karnes County National Bank Of Karnes City
Karnes City, TX · FDIC Certificate #3279 · Chartered 01/0
Total assets
$577.38M
Total deposits
$525.53M
Total equity
$50.05M
Net loans
$230.92M
Branches (offices)
3
Net income (YTD)
$1.74M
Rank: #1,605 of 4,213 U.S. banks by assets · #146 of 346 in Texas. Assets changed 15.4% and deposits 16.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 6.94% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 8.67% |
| Tier 1 leverage ratio | 10.76% |
| Uninsured deposits (share of deposits) | 52.2% |
| Noncurrent loans (share of loans) | 2.15% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 43.9% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $196.42M | 85.1% | |
| Commercial & industrial | $27.57M | 11.9% | |
| Consumer / individual | $4.71M | 2.0% | |
| Construction & development | $42.23M | 18.3% | |
| Agricultural | $6.24M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $457.10M | $425.39M | $1.68M | $30.77M |
| Jun 2023 | $463.90M | $413.69M | $3.36M | $33.44M |
| Jun 2024 | $518.93M | $446.04M | $1.71M | $40.57M |
| Jun 2025 | $500.51M | $452.78M | $1.37M | $46.13M |
| Jun 2026 | $577.38M | $525.53M | $1.74M | $50.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $525.53M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $525.53M.
Similar-sized banks
United Bank Of Union ($577.55M) · First Federal Savings Bank ($575.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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