TellerScore

Headquartered in Kingsville, Texas, Kleberg Bank, N.A. is a national bank with $736.8M in total assets and $655.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1926.

Kleberg Bank, N.A. has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 224th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (45/100, 9.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.45%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 77.2% · 38.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.63%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (67 → 70), mostly because the loan quality component improved by 14 points.

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202468
Q1 202567
Q2 202567
Q3 202568
Q4 202569
Q1 202667
Q2 202670
Tier 1 leverage ratio
5.00%7.34%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.16%
Q3 20249.40%
Q4 20249.67%
Q1 20259.53%
Q2 20259.28%
Q3 20259.59%
Q4 20259.56%
Q1 20269.30%
Q2 20269.45%
Noncurrent loans
0.10%0.31%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.13%
Q4 20240.44%
Q1 20250.50%
Q2 20250.51%
Q3 20250.51%
Q4 20250.41%
Q1 20260.33%
Q2 20260.10%
Return on assets
1.14%1.28%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.37%
Q4 20241.28%
Q1 20251.26%
Q2 20251.35%
Q3 20251.41%
Q4 20251.39%
Q1 20261.14%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$736.8M9.45%0.10%1.20%77.2%
Q1 202667$743.4M9.30%0.33%1.14%75.1%
Q4 202569$735.0M9.56%0.41%1.39%74.8%
Q3 202568$722.7M9.59%0.51%1.41%76.8%
Q2 202567$717.1M9.28%0.51%1.35%76.9%
Q1 202567$718.3M9.53%0.50%1.26%75.6%
Q4 202468$700.0M9.67%0.44%1.28%76.5%
Q3 202472$693.7M9.40%0.13%1.37%70.2%
Q2 202471$694.5M9.16%0.15%1.42%67.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.45%
20th
Total risk-based capital14.14%
63rd
Problem loans0.10%
74th
Net charge-offs0.06%
25th
Return on assets1.20%
47th
Net interest margin4.49%
79th
Efficiency ratio65.0%
42nd
Loans to deposits77.2%
55th
Uninsured deposits38.7%
12th
Loan-loss reserves1.24%
55th
Texas ratio0.6%
75th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
Texas Gulf Bank, National AssociationBank Houston, TX76 out of 100, Strong$726.9M12.0%0.00%vs
The First National Bank of SonoraBank Sonora, TX46 out of 100, Below average$722.0M8.0%1.40%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
First State BankBank Athens, TX74 out of 100, Strong$761.7M11.4%0.80%vs
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs

Deposit insurance

Is my money safe at Kleberg Bank, N.A.?

Yes. Kleberg Bank, N.A. is an FDIC-insured institution (FDIC certificate #3286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.7% of deposits ($253.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.14% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Kleberg Bank, N.A. lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kleberg Bank, N.A. reported 25 home-loan applications under HMDA (LEI 549300C690YBM0ROXL93): 23 originated ($15,615,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kleberg Bank, N.A.
Former names
The First National Bank of Kingsville; Kleberg First National Bank of Kingsville
Type
National bank
FDIC certificate #
3286
RSSD ID
556459
Primary regulator
OCC
Holding company
Kleberg&company Bankers Inc
Established
January 1, 1926
Headquarters
100 E Kleberg Ave, Kingsville, TX 78363
Employees
131

Quick answers

Kleberg Bank, N.A.: common questions

Is Kleberg Bank, N.A. FDIC insured?

Yes. Kleberg Bank, N.A. is an FDIC-insured institution (FDIC certificate #3286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kleberg Bank, N.A.'s TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kleberg Bank, N.A. ever failed?

There is no failure record for FDIC certificate #3286 in the FDIC failed bank list.

How many branches does Kleberg Bank, N.A. have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kingsville

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Freedom BankBank Alamo, TX80 out of 100, Strong$301.2M12.2%0.17%vs
Texas Community Federal Credit UnionCredit union Kingsville, TX79 out of 100, Strong$30.1M14.7%1.29%vs
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs