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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -3

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

Quarterly Headline

2025-Q4

Bank #979759 2025-Q4 Vital Signs Score: 75/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.57% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +3
90
Sub-score

Liquidity is strong: brokered 0.7%, loans/deposits 45.2%, cash 5.6% of assets.

Cash / Assets
5.61%
Loans / Deposits
45.22%
Brokered %
0.73%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.78%, CET1 20.78%, leverage 11.24%.

Tier 1 RBC
20.78%
CET1
20.78%
Leverage
11.24%
No watch items at this period.

Asset Quality

WatchQoQ -10
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.69%, Texas Ratio 12.7%, NCO YTD 2.57%.

Adjusted NPL
3.69%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
2.57%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.69% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.57% of loans.

Reserves

RiskQoQ -4
32
Sub-score

Reserves are weak: ALLL 1.37% of loans, coverage 37.5%, true coverage 36.8%.

ALLL / Loans
1.37%
Coverage
37.5%
True Loss Coverage
36.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.8% (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