The Karnes County National Bank of Karnes City
Karnes City, TX
IDRSSD: 979759
Total Assets
$549.49M
Latest filing
Total Deposits
$497.61M
Latest filing
Net Interest Margin
3.29%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Karnes County National Bank of Karnes City
311 E Calvert Ave
Karnes City, TX 78118
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 2118
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Karnes County National Bank of Karnes City (Main) | 311 E Calvert Ave | Karnes City, TX |
| KENEDY BRANCH | 100a Business Park Blvd | Kenedy, TX |
| BEEVILLE BRANCH | 1708 Wofford Ln | Beeville, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78118 |
| State and County Number | 48255 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/22/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.kcnb.com |
| Data Updated | 01/30/2026 |
| CERT | 3279 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $549.49M |
| Total Deposits | $497.61M |
| Total Liabilities | $498.98M |
| Total Equity Capital | $50.51M |
| Net Income | $-173,000 |
| Net Loans and Leases | $225.04M |
| Assets Per Employee ($Millions) | $10.37M |
| Bank Premises and Fixed Assets | $12.24M |
| Cash and Balances due from Depository Institutions | $30.84M |
| Deposits Held in Domestic Offices | $497.61M |
Key Performance Ratios
| Return on Assets (ROA) | -0.13% |
| Return on Equity (ROE) | -1.37% |
| Net Interest Margin | 3.29% |
| Efficiency Ratio | 91.99% |
| Tier 1 Risk-Based Capital Ratio | 20.777% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.54% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.192% |
| Earning Assets to total Assets | 93.94% |
Income and Expense
| Total Interest Income | $6.04M |
| Total Noninterest Income | $182.00k |
| Total Interest Expense | $1.90M |
| Total Noninterest Expense | $3.97M |
| Net Interest Income | $4.14M |
| Pre-tax Net Operating Income | $-374,000 |
| Provision for Credit Losses | $720.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $8.62M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $23.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.37M |
| Total Liabilities and Capital | $549.49M |
Securities
| Securities | $241.28M |
| Available-for-sale debt securities | $236.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.63M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Karnes County National Bank of Karnes City?
$549.49M as of the latest filing.
How much are The Karnes County National Bank of Karnes City's total deposits?
$497.61M in total deposits.
Where is The Karnes County National Bank of Karnes City located?
Karnes City, TX.
What is the Net Interest Margin?
3.29%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
-0.13%.
How much are total loans and leases?
$225.04M (latest filing).
What is the total interest income (latest filing)?
$6.04M.