Kleberg Bank N A
Kingsville, Texas · FDIC Cert #3286
Kleberg Bank N A is an FDIC-insured bank (Certificate #3286) with $694M in total assets and $630M in total deposits as of the Q2 2024 Call Report. Headquartered in Kingsville, Texas, the bank maintains a Tier 1 capital ratio of 13.84% (Well-Capitalized) and a nonperforming loan ratio of 0.15%. BankHealthData assigns a composite Health Grade of A (93/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Kleberg Bank N A (FDIC cert 3286) is a community bank — $694M in total assets, $630M in deposits, serving the Kingsville, 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 13.84% 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 is clean: non-performing loan ratio of 0.15% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 29.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.42% 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 mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Kleberg Bank N A carries a composite BankHealth grade of A (93/100) 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: Kleberg Bank N A
- Total Assets
- $694M
- Total Deposits
- $630M
- Tier 1 Capital Ratio
- 13.84%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.15%
- Liquidity Ratio
- 29.57%
- Return on Assets
- 1.42%
- Headquarters
- Kingsville, Texas
- FDIC Certificate
- #3286
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Kleberg Bank N A holds a Tier 1 capital ratio of 13.84%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Kleberg Bank N A has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Kleberg Bank N A shows strong financial health indicators. With $694M in assets and a Health Score of 93/100, 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 Kleberg Bank N A Compares
Kleberg Bank N A’s Health Score of 93 is 19 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 13.84% Tier 1 capital ratio is 0.2 points below the US banking industry average near 14%. The 0.15% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.42% is in line with or above the national ROA benchmark of ~1.1%. Among 1267 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Kleberg Bank N A is 23 points above the portfolio average of 70.
Frequently Asked Questions
Kleberg Bank N A has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.84%, 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. Kleberg Bank N A's Tier 1 capital ratio of 13.84% and nonperforming loan ratio of 0.15% 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 Kleberg Bank N A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3286). 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.
Kleberg Bank N A holds $694M in total assets and $630M in total deposits. It is headquartered in Kingsville, Texas (FDIC Certificate #3286).
Kleberg Bank N A has a Tier 1 capital ratio of 13.84%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.15%, and the return on assets is 1.42%.
Yes. Kleberg Bank N A is FDIC-insured (Certificate #3286). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Kleberg Bank N A'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.