Karnes Cnty Nb of Karnes Cty
Karnes City, Texas · FDIC Cert #3279
Karnes Cnty Nb of Karnes Cty is an FDIC-insured bank (Certificate #3279) with $519M in total assets and $446M in total deposits as of the Q2 2024 Call Report. Headquartered in Karnes City, Texas, the bank maintains a Tier 1 capital ratio of 20.66% (Well-Capitalized) and a nonperforming loan ratio of 6.57%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Karnes Cnty Nb of Karnes Cty (FDIC cert 3279) is a community bank — $519M in total assets, $446M in deposits, serving the Karnes City, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.66% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 6.57% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 49.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.80% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Karnes Cnty Nb of Karnes Cty carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Karnes Cnty Nb of Karnes Cty
- Total Assets
- $519M
- Total Deposits
- $446M
- Tier 1 Capital Ratio
- 20.66%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.57%
- Liquidity Ratio
- 49.25%
- Return on Assets
- 0.80%
- Headquarters
- Karnes City, Texas
- FDIC Certificate
- #3279
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Karnes Cnty Nb of Karnes Cty holds a Tier 1 capital ratio of 20.66%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Karnes Cnty Nb of Karnes Cty has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Karnes Cnty Nb of Karnes Cty shows strong financial health indicators. With $519M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Karnes Cnty Nb of Karnes Cty Compares
Karnes Cnty Nb of Karnes Cty’s Health Score of 65 is 9 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 20.66% Tier 1 capital ratio is 6.7 points above the US banking industry average near 14%. The 6.57% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.80% is below the national ROA benchmark of ~1.1%. Among 1450 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Karnes Cnty Nb of Karnes Cty is 5 points below the portfolio average of 70.
Frequently Asked Questions
Karnes Cnty Nb of Karnes Cty has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 20.66%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Karnes Cnty Nb of Karnes Cty's Tier 1 capital ratio of 20.66% and nonperforming loan ratio of 6.57% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Karnes Cnty Nb of Karnes Cty is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3279). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Karnes Cnty Nb of Karnes Cty holds $519M in total assets and $446M in total deposits. It is headquartered in Karnes City, Texas (FDIC Certificate #3279).
Karnes Cnty Nb of Karnes Cty has a Tier 1 capital ratio of 20.66%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.57%, and the return on assets is 0.80%.
Yes. Karnes Cnty Nb of Karnes Cty is FDIC-insured (Certificate #3279). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Karnes Cnty Nb of Karnes Cty's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.