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

2664 banks in the $100M-$1B peer group nationally 219 in 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

- Delinquency Rate 2.31% above tier average
- Nonperforming Asset Ratio 2.18% above tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.82% below tier average
- Net Interest Margin 0.72% below tier average
- Efficiency Ratio 8.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$579.7M +15.7% YoY +5.5% QoQ	+$193.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$230.7M +7.3% YoY +2.5% QoQ	-$25.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$528.5M +16.3% YoY +6.2% QoQ	+$200.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.45% +5.0% YoY +10.9% QoQ	-0.82%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 11.9% in tier
Net Interest Margin ?	3.21% -6.6% YoY -4.9% QoQ	-0.72%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	73.74% +8.3% YoY -1.2% QoQ	+8.45%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	3.20% -63.8% YoY -13.3% QoQ	+2.31%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	43.64% -7.8% YoY -3.5% QoQ	-32.99%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.7% in tier
Non-Interest-Bearing Deposit Share ?	28.53% -16.9% YoY -7.5% QoQ	+6.51%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	2.82% -43.9% YoY -8.6% QoQ	+2.18%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 3.4% in tier
Tier 1 Capital Ratio ?	20.43% -2.3% YoY -1.7% QoQ	+4.60%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 12.4% in tier
Non-Interest Income / Assets ?	0.03% -24.2% YoY -77.9% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 9.1% in tier

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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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

152

Loan-to-Deposit Ratio

liquidity

Value: 43.64%

Peer Median: 76.64%

#152 of 2664 Top 5.7% in $100M-$1B

332

Tier 1 Capital Ratio

capital

Value: 20.43%

Peer Median: 15.83%

#332 of 2664 Top 12.4% in $100M-$1B

479

Total Deposits

size

Value: $528.49M

Peer Median: $327.97M

#479 of 2664 Top 17.9% in $100M-$1B

565

Total Assets

size

Value: $579.70M

Peer Median: $386.08M

#565 of 2664 Top 21.2% in $100M-$1B

585

Non-Interest-Bearing Deposit Share

funding

Value: 28.53%

Peer Median: 22.02%

#585 of 2664 Top 21.9% in $100M-$1B

Top Weaknesses (6 metrics)

2575

Nonperforming Asset Ratio

credit_quality

Value: 2.82%

Peer Median: 0.64%

#2575 of 2664 Bottom 3.4% in $100M-$1B

2513

Delinquency Rate

credit_quality

Value: 3.20%

Peer Median: 0.89%

#2513 of 2654 Bottom 5.4% in $100M-$1B

2423

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2348

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.27%

#2348 of 2664 Bottom 11.9% in $100M-$1B

2193

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.93%

#2193 of 2664 Bottom 17.7% in $100M-$1B

2010

Efficiency Ratio

profitability

Value: 73.74%

Peer Median: 65.29%

#2010 of 2664 Bottom 24.6% in $100M-$1B