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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ +9

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

Quarterly Headline

2026-Q1

Bank #979759 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.20% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +25
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ +7
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.6%, cash 8.3% of assets.

Cash / Assets
8.34%
Loans / Deposits
43.64%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.82%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.43%, CET1 20.43%, leverage 10.86%.

Tier 1 RBC
20.43%
CET1
20.43%
Leverage
10.86%
No watch items at this period.

Asset Quality

StableQoQ +25
75
Sub-score

Asset quality is stable: Adjusted NPL 3.20%, Texas Ratio 11.1%, NCO YTD 0.17%.

Adjusted NPL
3.20%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
0.17%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.20% (govt-guarantees stripped).

Reserves

WatchQoQ +8
40
Sub-score

Reserves are deteriorating: ALLL 1.47% of loans, coverage 46.5%, true coverage 46.5%.

ALLL / Loans
1.47%
Coverage
46.5%
True Loss Coverage
46.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.5% (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