Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs The Karnes County National Bank of Karnes City
Bank
The Karnes County National Bank of Karnes City
Karnes City, Texas · $100 million – $1 billion
Metric by metric
| Measure | The Bank and Trust, S.S.B. | The Karnes County National Bank of Karnes City |
|---|---|---|
| TellerScore | 77 (stronger) | 46 |
| Capital cushion | 50 | 58 (stronger) |
| Loan quality | 98 (stronger) | 28 |
| Earnings | 82 (stronger) | 44 |
| Funding & liquidity | 75 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 42 |
| Peer percentile | 68th | 5th |
| Total assets | $583.8M | $577.4M |
| Deposits / shares | $529.3M | $525.5M |
| Capital ratio | 9.96% | 10.76% (stronger) |
| Problem loans | 0.05% (stronger) | 2.15% |
| Net charge-offs | 0.02% (stronger) | 0.32% |
| Return on assets | 1.56% (stronger) | 0.61% |
| Loans ÷ deposits | 74.3% | 43.9% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 52.2% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
The Bank and Trust, S.S.B. has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 5 and The Karnes County National Bank of Karnes City on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.