Headquartered in Karnes City, Texas, The Karnes County National Bank of Karnes City is a national bank with $577.4M in total assets and $525.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1900.
The Karnes County National Bank of Karnes City has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 335th. Funding & liquidity contributes the most (59/100, 44% loans-to-deposits, 52% uninsured); loan quality contributes the least (28/100, 2.15%).
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 rose 4 points (42 → 46), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 42 |
| Q4 2024 | 42 |
| Q1 2025 | 38 |
| Q2 2025 | 42 |
| Q3 2025 | 43 |
| Q4 2025 | 39 |
| Q1 2026 | 38 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 11.32% |
| Q4 2024 | 11.76% |
| Q1 2025 | 11.99% |
| Q2 2025 | 11.90% |
| Q3 2025 | 11.93% |
| Q4 2025 | 11.24% |
| Q1 2026 | 10.86% |
| Q2 2026 | 10.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.57% |
| Q3 2024 | 7.11% |
| Q4 2024 | 4.57% |
| Q1 2025 | 8.70% |
| Q2 2025 | 5.02% |
| Q3 2025 | 4.41% |
| Q4 2025 | 3.64% |
| Q1 2026 | 3.15% |
| Q2 2026 | 2.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $577.4M | 10.76% | 2.15% | 0.61% | 43.9% |
| Q1 2026 | 38 | $579.7M | 10.86% | 3.15% | 0.45% | 43.6% |
| Q4 2025 | 39 | $549.5M | 11.24% | 3.64% | 0.40% | 45.2% |
| Q3 2025 | 43 | $521.7M | 11.93% | 4.41% | 0.59% | 49.5% |
| Q2 2025 | 42 | $500.5M | 11.90% | 5.02% | 0.55% | 48.8% |
| Q1 2025 | 38 | $501.1M | 11.99% | 8.70% | 0.43% | 47.3% |
| Q4 2024 | 42 | $491.3M | 11.76% | 4.57% | 0.65% | 44.8% |
| Q3 2024 | 42 | $514.2M | 11.32% | 7.11% | 0.62% | 48.0% |
| Q2 2024 | 42 | $518.9M | 11.39% | 6.57% | 0.67% | 44.8% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Trinity Bank, N.A.Bank Fort Worth, TX | 83 out of 100, Strong | $569.1M | 12.8% | 0.00% | vs |
| International Bank of CommerceBank Zapata, TX | 93 out of 100, Very strong | $567.8M | 13.6% | 0.07% | vs |
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
Deposit insurance
Is my money safe at The Karnes County National Bank of Karnes City?
Yes. The Karnes County National Bank of Karnes City is an FDIC-insured institution (FDIC certificate #3279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.2% of deposits ($274.1M) 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 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.51% (benchmark: 10%).
3 locations
Branches
The Karnes County National Bank of Karnes City lists 3 offices in 3 cities. Most locations:
- Beeville, TX (1)
- Karnes City, TX (1)
- Kenedy, TX (1)
Identity & history
Profile
- Legal name
- The Karnes County National Bank of Karnes City
- Type
- National bank
- FDIC certificate #
- 3279
- RSSD ID
- 979759
- Primary regulator
- OCC
- Holding company
- Karnes Cnty Natl Bancshares
- Established
- January 1, 1900
- Headquarters
- 311 E Calvert Ave, Karnes City, TX 78118
- Website
- www.kcnb.com
- Employees
- 54
Quick answers
The Karnes County National Bank of Karnes City: common questions
Is The Karnes County National Bank of Karnes City FDIC insured?
Yes. The Karnes County National Bank of Karnes City is an FDIC-insured institution (FDIC certificate #3279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Karnes County National Bank of Karnes City's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Karnes County National Bank of Karnes City ever failed?
There is no failure record for FDIC certificate #3279 in the FDIC failed bank list.
How many branches does The Karnes County National Bank of Karnes City have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Karnes City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
| Randolph-Brooks Federal Credit UnionCredit union Universal City, TX | 76 out of 100, Strong | $19.6B | 13.4% | 1.27% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| The Falls City National BankBank Falls City, TX | 69 out of 100, Moderate | $597.1M | 16.3% | 3.22% | vs |
| Texas Champion BankBank Corpus Christi, TX | 64 out of 100, Moderate | $436.6M | 10.5% | 0.39% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |