BlastPoint's Banking Scorecard
The Karnes County National Bank of Karnes City
Community
Specialty: Commercial
TX
FDIC cert 3279
Karnes City, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The Karnes County National Bank of Karnes City has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.84% below tier
- + Tier 1 Capital Ratio 10.53% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.76% below tier
- - Delinquency Rate 3.06% above tier
- - Nonperforming Asset Ratio 2.58% above tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$549.5M
+11.8% YoY
+5.3% QoQ
|
-$842.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$225.0M
+12.0% YoY
-3.1% QoQ
|
-$750.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$497.6M
+11.0% YoY
+6.0% QoQ
|
-$667.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.40%
-37.7% YoY
-32.0% QoQ
|
-0.76% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.37%
+15.6% YoY
-1.2% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
74.62%
+5.8% YoY
+8.6% QoQ
|
+11.99% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
3.69%
-20.4% YoY
-17.8% QoQ
|
+3.06% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
45.22%
+0.9% YoY
-8.6% QoQ
|
-37.84% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.83%
-10.4% YoY
-2.3% QoQ
|
+9.79% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
3.08%
-2.2% YoY
-3.1% QoQ
|
+2.58% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
20.78%
-4.1% YoY
-2.0% QoQ
|
+10.53% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.15%
-40.4% YoY
+23.0% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
45.22%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.78%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.69%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.08%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.22% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 21.05%
35
35th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
18
18th pctile
Efficiency Ratio
Current: 74.62% · Tier avg: 62.63%
13
13th pctile
Total Deposits
Current: $497.6M · Tier avg: $1.2B
9
9th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
7
7th pctile
Total Assets
Current: $549.5M · Tier avg: $1.4B
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
2
2th pctile
Total Loans
Current: $225.0M · Tier avg: $975.5M
0
0th pctile
Delinquency Rate
Current: 3.69% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.08% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.08% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.69% · Tier avg: 0.63%
2
2th pctile
Total Loans
Current: $225.0M · Tier avg: $975.5M
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Total Assets
Current: $549.5M · Tier avg: $1.4B
9
9th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
13
13th pctile
Total Deposits
Current: $497.6M · Tier avg: $1.2B
18
18th pctile
Efficiency Ratio
Current: 74.62% · Tier avg: 62.63%
35
35th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 21.05%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.22% · Tier avg: 83.06%