BlastPoint's Banking Scorecard

Kleberg Bank, N.A.

$100M-$1B Specialty: Commercial TX FDIC cert 3286

Kingsville, TX

4 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 +4.6% year over year ($655.5M on the books).
Delinquency rate 0.10%.
Return on assets 1.20%.
Efficiency ratio 65.01% vs a 64.48% peer average.
Loan-to-deposit ratio 77.24% 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) →

Kleberg Bank, N.A. has 2 strengths but faces 2 concerns

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

+ Net Interest Margin 0.51% above tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 44.0% in tier
- Efficiency Ratio 0.53% above tier average

Get updates when Kleberg Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$736.8M +2.7% YoY -0.9% QoQ	+$350.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 10.7% in tier
Total Loans ?	$506.3M +5.0% YoY +1.7% QoQ	+$248.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 10.9% in tier
Total Deposits ?	$655.5M +4.6% YoY -1.1% QoQ	+$328.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 9.2% in tier
Return on Assets ?	1.20% -11.1% YoY +5.0% QoQ	-0.13%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	4.49% +8.5% YoY +3.5% QoQ	+0.51%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	65.01% -1.8% YoY -1.6% QoQ	+0.53%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.10% -80.6% YoY -70.5% QoQ	-0.82%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	77.24% +0.4% YoY +2.8% QoQ	-0.71%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	27.98% -1.6% YoY +1.4% QoQ	+5.95%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.07% -80.2% YoY -69.7% QoQ	-0.60%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	12.91% -0.5% YoY +0.7% QoQ	-3.00%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.36% +1.5% YoY +102.9% QoQ	-0.20%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	81%

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	28.0% -0.5pp YoY +0.4pp QoQ	+5.8pp	22.1%	29.2%	22.2%	76%
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	17.8% +0.6pp YoY -0.2pp QoQ	+6.3pp	11.6%	14.8%	12.5%	84%
CRE	44.9% +2.6pp YoY +2.1pp QoQ	+5.4pp	39.5%	48.4%	41.4%	62%
1-4 Family	18.2% -0.4pp YoY -1.2pp QoQ	-14.5pp	32.6%	25.8%	31.3%	26%
Consumer	14.9% -2.4pp YoY -0.3pp QoQ	+10.8pp	4.1%	4.7%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	12.9% -0.1pp YoY +0.1pp QoQ	-5.9pp	18.8%	22.7%	19.7%	26%
Leverage Ratio	9.5% +0.2pp YoY +0.2pp QoQ	-2.7pp	12.2%	12.6%	12.6%	20%
Total Capital Ratio	14.1% -0.1pp YoY +0.1pp QoQ	-5.8pp	19.9%	23.8%	20.8%	28%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	131 +2 (+1.6%) YoY +5 (+4.0%) QoQ	+72	58	186	482	95%
Assets per Employee ($)	$5.6M +1.2% YoY -4.7% QoQ	-$1.9M	$7.5M	$10.1M	$8.8M	25%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

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	0.1% -0.4pp YoY -0.2pp QoQ	-0.8pp	0.9%	1.0%	1.0%	18%
Allowance Coverage	12.62x +414.4% YoY +240.9% QoQ	-11.53x	24.15x	18.82x	20.23x	84%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.4% -3.2pp YoY +0.4pp QoQ	+0.2pp	12.2%	13.2%	11.6%	52%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	17%
Net Income ($, YTD)	$4.4M -7.7% YoY — QoQ	+$1.9M	$2.6M	$15.9M	$40.4M	83%

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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 (1)

Margin Compression

decline

#136 of 307 • Bottom 44.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.20%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 (7 metrics)

244

Total Deposits

size

Value: $655.49M

Peer Median: $326.73M

#244 of 2643 Top 9.2% in $100M-$1B

283

Total Assets

size

Value: $736.78M

Peer Median: $386.57M

#283 of 2643 Top 10.7% in $100M-$1B

290

Total Loans

size

Value: $506.32M

Peer Median: $258.35M

#290 of 2643 Top 10.9% in $100M-$1B

496

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.57%

#496 of 2643 Top 18.7% in $100M-$1B

545

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.99%

#545 of 2643 Top 20.6% in $100M-$1B

632

Non-Interest-Bearing Deposit Share

funding

Value: 27.98%

Peer Median: 22.03%

#632 of 2643 Top 23.9% in $100M-$1B

639

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available