Side-by-side · Q2 2026 data
The Karnes County National Bank of Karnes City vs Texstar Federal Credit Union
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 | Texstar Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 53 (stronger) |
| Capital cushion | 58 | 86 (stronger) |
| Loan quality | 28 (stronger) | 0 |
| Earnings | 44 (stronger) | 18 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 42 | 84 (stronger) |
| Peer percentile | 5th | 12th |
| Total assets | $577.4M | $20.0M |
| Deposits / shares | $525.5M | $17.2M |
| Capital ratio | 10.76% | 13.59% (stronger) |
| Problem loans | 2.15% (stronger) | 3.86% |
| Net charge-offs | 0.32% | 0.09% (stronger) |
| Return on assets | 0.61% (stronger) | -0.04% |
| Loans ÷ deposits | 43.9% | 30.9% (stronger) |
| Uninsured deposits | 52.2% | 4.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texstar Federal Credit Union has the higher TellerScore (53 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 2 and Texstar Federal Credit Union on 5. 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.
Where both have branches
- Kenedy, TX