The Karnes County National Bank of Karnes City: how it compares with its peers
Against 136 TX banks with half to twice its assets, The Karnes County National Bank of Karnes City's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $7.4M peer median). Its weakest relative measure is return on assets (0.61% vs. 1.46%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 1.46% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 4.20% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.43% | 60.30% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $7.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.94% | 76.60% | Context |
What it means for lending operations
Its efficiency ratio of 71.43% is above the 60.30% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- SouthTrust Bank, N.A. George West, TX · $579M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
- First National Bank of Huntsville Huntsville, TX · $585M
- Trinity Bank, N.A. Fort Worth, TX · $569M
- International Bank of Commerce Zapata, TX · $568M
- First Commercial Bank, National Association Seguin, TX · $566M
Questions about The Karnes County National Bank of Karnes City
How big is The Karnes County National Bank of Karnes City?
The Karnes County National Bank of Karnes City, established in 1900, is headquartered in Karnes City, TX. It reported $577M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Karnes County National Bank of Karnes City's return on assets?
0.61% annualized in Q2 2026, against a 1.46% median for 136 TX banks with half to twice its assets, ahead of 11% of them.
What is The Karnes County National Bank of Karnes City's efficiency ratio?
71.43% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 60.30%, and lower is better.
Is The Karnes County National Bank of Karnes City growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 16.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.