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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #979759 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.3% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -2
87
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 49.5%, cash 4.4% of assets.

Cash / Assets
4.37%
Loans / Deposits
49.48%
Brokered %
0.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.20%, CET1 21.20%, leverage 11.93%.

Tier 1 RBC
21.20%
CET1
21.20%
Leverage
11.93%
No watch items at this period.

Asset Quality

StableQoQ +2
61
Sub-score

Asset quality is stable: Adjusted NPL 4.49%, Texas Ratio 15.6%, NCO YTD 0.00%.

Adjusted NPL
4.49%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
0.00%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.49% (govt-guarantees stripped).

Reserves

RiskQoQ +2
37
Sub-score

Reserves are weak: ALLL 1.65% of loans, coverage 37.3%, true coverage 36.7%.

ALLL / Loans
1.65%
Coverage
37.3%
True Loss Coverage
36.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.7% (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