BlastPoint's Banking Scorecard

The Karnes County National Bank of Karnes City

$100M-$1B Specialty: Commercial TX FDIC cert 3279

Karnes City, TX

3 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +16.1% year over year ($525.5M on the books).
Delinquency rate 2.18%.
Return on assets 0.61%.
Efficiency ratio 71.43% vs a 64.48% peer average.
Loan-to-deposit ratio 43.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

The Karnes County National Bank of Karnes City faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 2.02% above tier average
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.71% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 6.95% above tier average
- Delinquency Rate 1.26% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$577.4M +15.4% YoY -0.4% QoQ	+$190.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$230.9M +4.4% YoY +0.1% QoQ	-$27.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$525.5M +16.1% YoY -0.6% QoQ	+$198.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	0.61% +10.9% YoY +36.7% QoQ	-0.71%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	15%
Net Interest Margin ?	3.31% -4.1% YoY +3.2% QoQ	-0.68%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	71.43% +5.8% YoY -3.1% QoQ	+6.95%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	27%
Delinquency Rate ?	2.18% -57.4% YoY -31.9% QoQ	+1.26%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 11.2% in tier
Loan-to-Deposit Ratio ?	43.94% -10.0% YoY +0.7% QoQ	-34.01%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.4% in tier
Non-Interest-Bearing Deposit Share ?	29.88% -8.8% YoY +4.7% QoQ	+7.85%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	2.69% -23.0% YoY -4.6% QoQ	+2.02%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 4.2% in tier
Tier 1 Capital Ratio ?	20.43% -3.9% YoY +0.0% QoQ	+4.52%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 12.8% in tier
Non-Interest Income / Assets ?	0.07% -24.3% YoY +105.1% QoQ	-0.50%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 8.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	29.9% -2.9pp YoY +1.4pp QoQ	+7.7pp	22.1%	29.2%	22.2%	82%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.9% +3.7pp YoY +0.7pp QoQ	+0.4pp	11.6%	14.8%	12.5%	63%
CRE	67.1% -3.3pp YoY -0.4pp QoQ	+27.5pp	39.5%	48.4%	41.4%	91%
1-4 Family	12.1% -1.2pp YoY -0.5pp QoQ	-20.6pp	32.6%	25.8%	31.3%	14%
Consumer	2.0% +0.2pp YoY +0.1pp QoQ	-2.1pp	4.1%	4.7%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	20.4% -0.8pp YoY 0.0pp QoQ	+1.6pp	18.8%	22.7%	19.7%	79%
Leverage Ratio	10.8% -1.1pp YoY -0.1pp QoQ	-1.4pp	12.2%	12.6%	12.6%	46%
Total Capital Ratio	21.5% -1.0pp YoY -0.1pp QoQ	+1.6pp	19.9%	23.8%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	54 +1 (+1.9%) YoY -2 (-3.6%) QoQ	-5	58	186	482	57%
Assets per Employee ($)	$10.7M +13.2% YoY +3.3% QoQ	+$3.2M	$7.5M	$10.1M	$8.8M	89%
Branch Count	3 0 YoY 0 QoQ	-2	4	12	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.2% -2.9pp YoY -1.0pp QoQ	+1.2pp	0.9%	1.0%	1.0%	89%
Allowance Coverage	0.64x +90.2% YoY +37.8% QoQ	-23.51x	24.15x	18.82x	20.23x	15%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	6.9% +0.7pp YoY +1.9pp QoQ	-5.3pp	12.2%	13.2%	11.6%	20%
Cost of Funds (YTD)	1.5% +0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	39%
Net Income ($, YTD)	$1.7M +26.8% YoY — QoQ	-$817K	$2.6M	$15.9M	$40.4M	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

145

Loan-to-Deposit Ratio

liquidity

Value: 43.94%

Peer Median: 77.95%

#145 of 2643 Top 5.4% in $100M-$1B

338

Tier 1 Capital Ratio

capital

Value: 20.43%

Peer Median: 15.91%

#338 of 2643 Top 12.8% in $100M-$1B

465

Total Deposits

size

Value: $525.53M

Peer Median: $326.73M

#465 of 2643 Top 17.6% in $100M-$1B

485

Non-Interest-Bearing Deposit Share

funding

Value: 29.88%

Peer Median: 22.03%

#485 of 2643 Top 18.3% in $100M-$1B

564

Total Assets

size

Value: $577.38M

Peer Median: $386.57M

#564 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (5 metrics)

2532

Nonperforming Asset Ratio

credit_quality

Value: 2.69%

Peer Median: 0.67%

#2532 of 2643 Bottom 4.2% in $100M-$1B

2414

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2414 of 2643 Bottom 8.7% in $100M-$1B

2339

Delinquency Rate

credit_quality

Value: 2.18%

Peer Median: 0.92%

#2339 of 2633 Bottom 11.2% in $100M-$1B

2235

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.32%

#2235 of 2643 Bottom 15.5% in $100M-$1B

2112

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2112 of 2643 Bottom 20.1% in $100M-$1B