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The Karnes County National Bank Of Karnes City

IDRSSD: 979759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #979759 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 15.9% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +19
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +2
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.0%, cash 9.7% of assets.

Cash / Assets
9.66%
Loans / Deposits
48.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.01%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.45%, CET1 21.45%, leverage 11.32%.

Tier 1 RBC
21.45%
CET1
21.45%
Leverage
11.32%
No watch items at this period.

Asset Quality

WatchQoQ +19
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.19%, Texas Ratio 23.8%, NCO YTD 0.04%.

Adjusted NPL
7.19%
Govt-guarantees stripped
Texas Ratio
23.8%
NCO YTD
0.04%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.75%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.19% (govt-guarantees stripped).

Reserves

RiskQoQ 0
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 15.9%, true coverage 15.8%.

ALLL / Loans
1.13%
Coverage
15.9%
True Loss Coverage
15.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 15.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.8% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:34:20 UTC