BlastPoint's Banking Scorecard
Kleberg Bank, N.A.
Kingsville, TX
4 branches across TX
Kleberg Bank, N.A. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 38.7% in tier
- - Efficiency Ratio 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$743.4M
+3.5% YoY
+1.2% QoQ
|
+$357.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 10.5% in tier |
| Total Loans ? |
$497.7M
+4.3% YoY
+1.1% QoQ
|
+$242.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 11.1% in tier |
| Total Deposits ? |
$662.7M
+4.9% YoY
+0.7% QoQ
|
+$334.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 9.0% in tier |
| Return on Assets ? |
1.14%
-9.8% YoY
-18.1% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.34%
+6.2% YoY
+2.9% QoQ
|
+0.41% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
66.09%
-1.8% YoY
+1.5% QoQ
|
+0.80% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.34%
-33.1% YoY
-18.9% QoQ
|
-0.55% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
75.11%
-0.6% YoY
+0.4% QoQ
|
-1.53% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
27.59%
-4.0% YoY
+7.9% QoQ
|
+5.57% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.23%
-32.6% YoY
-19.0% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
12.82%
-2.4% YoY
-2.3% QoQ
|
-3.01% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.18%
+1.6% YoY
-75.4% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
82% |
Get Full Access to Kleberg Bank, N.A.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.