Kress National Bank is a national bank headquartered in Kress, Texas, in business for about 63 years. At the end of Q2 2026 it reported $63.7M in total assets and $57.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Kress National Bank scores 76/100, which we describe as strong. That is higher than 56% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 153rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (46/100; 9.64%).
TellerScore · Q2 2026
Scorecard
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 fell 8 points (84 → 76), mostly because the capital cushion component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 87 |
| Q4 2024 | 87 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.16% |
| Q3 2024 | 11.99% |
| Q4 2024 | 12.42% |
| Q1 2025 | 10.91% |
| Q2 2025 | 10.82% |
| Q3 2025 | 10.94% |
| Q4 2025 | 10.82% |
| Q1 2026 | 10.07% |
| Q2 2026 | 9.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.49% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $63.7M | 9.64% | 0.00% | 1.30% | 25.8% |
| Q1 2026 | 76 | $65.7M | 10.07% | 0.00% | 1.04% | 24.9% |
| Q4 2025 | 82 | $60.2M | 10.82% | 0.00% | 1.37% | 28.3% |
| Q3 2025 | 82 | $61.0M | 10.94% | 0.00% | 1.49% | 34.7% |
| Q2 2025 | 84 | $54.2M | 10.82% | 0.00% | 1.58% | 37.1% |
| Q1 2025 | 83 | $55.8M | 10.91% | 0.00% | 1.52% | 33.3% |
| Q4 2024 | 87 | $49.0M | 12.42% | 0.00% | 1.30% | 42.5% |
| Q3 2024 | 87 | $48.7M | 11.99% | 0.00% | 1.49% | 43.1% |
| Q2 2024 | 85 | $49.6M | 11.16% | 0.00% | 1.65% | 38.5% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City National BankBank Corsicana, TX | 54 out of 100, Below average | $62.0M | 13.5% | 2.65% | vs |
| Commerce Bank TexasBank Stockdale, TX | 51 out of 100, Below average | $60.6M | 12.7% | 2.64% | vs |
| First Federal Bank Littlefield, TexasBank Littlefield, TX | 82 out of 100, Strong | $67.9M | 17.4% | 0.44% | vs |
| First State Bank of San DiegoBank San Diego, TX | 36 out of 100, Low | $68.2M | 9.0% | 2.65% | vs |
| Producer Bank of TexasBank Powell, TX | 73 out of 100, Strong | $58.7M | 18.6% | 0.58% | vs |
| First State BankBank Junction, TX | 78 out of 100, Strong | $58.2M | 10.6% | 0.37% | vs |
Deposit insurance
Is my money safe at Kress National Bank?
Yes. Kress National Bank is an FDIC-insured institution (FDIC certificate #18892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($15.5M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.96% (benchmark: 10%).
1 location
Branches
Kress National Bank lists 1 office in 1 city. Most locations:
- Kress, TX (1)
Identity & history
Profile
- Legal name
- Kress National Bank
- Type
- National bank
- FDIC certificate #
- 18892
- RSSD ID
- 995955
- Primary regulator
- OCC
- Holding company
- Kress National Bancshares Inc
- Established
- September 17, 1963
- Headquarters
- 101 W 4th St, Kress, TX 79052
- Website
- www.knbkress.com
- Employees
- 6
Quick answers
Kress National Bank: common questions
Is Kress National Bank FDIC insured?
Yes. Kress National Bank is an FDIC-insured institution (FDIC certificate #18892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kress National Bank's TellerScore?
76 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 Kress National Bank ever failed?
There is no failure record for FDIC certificate #18892 in the FDIC failed bank list.
How many branches does Kress National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kress
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of BurnetBank Burnet, TX | 86 out of 100, Very strong | $325.8M | 12.5% | 0.13% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| Plains Federal Credit UnionCredit union Plainview, TX | 80 out of 100, Strong | $4.0M | 14.5% | 0.09% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| Texas Plains Federal Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $71.2M | 14.3% | 0.78% | vs |