Side-by-side · Q2 2026 data
The Karnes County National Bank of Karnes City vs First National Bank Texas
Bank
The Karnes County National Bank of Karnes City
Karnes City, Texas · $100 million – $1 billion
Metric by metric
| Measure | The Karnes County National Bank of Karnes City | First National Bank Texas |
|---|---|---|
| TellerScore | 46 | 64 (stronger) |
| Capital cushion | 58 (stronger) | 41 |
| Loan quality | 28 | 59 (stronger) |
| Earnings | 44 | 69 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 42 | 83 (stronger) |
| Peer percentile | 5th | 33rd |
| Total assets | $577.4M | $4.6B |
| Deposits / shares | $525.5M | $4.1B |
| Capital ratio | 10.76% (stronger) | 9.12% |
| Problem loans | 2.15% | 1.23% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.84% |
| Return on assets | 0.61% | 1.21% (stronger) |
| Loans ÷ deposits | 43.9% (stronger) | 55.1% |
| Uninsured deposits | 52.2% | 8.5% (stronger) |
| Offices | 3 | 355 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
First National Bank Texas has the higher TellerScore (64 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The Karnes County National Bank of Karnes City leads on 3 and First National Bank Texas on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.