Bank · FDIC insured
Karnes County National Bank
A $577.4M bank headquartered in Karnes City, TX, with 3 branches in Texas. Best rates: CDs 4.33% and savings 1.26% APY.
Karnes County National Bank Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#4 of 5 in Beeville, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Karnes County National Bank
Karnes County National Bank opened its doors in 1901 and celebrated 100 years of service in 2001.
The bank maintains locations in Karnes City, Kenedy, Beeville, and a loan production office in New Braunfels, Texas.
- Headquarters
- 311 E Calvert Ave, Karnes City, TX 78118
- FDIC certificate
- 3279 ↗
Branches
3 branches in Texas
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Texas
3 branches
Karnes City area · 1
- The Karnes County National Bank of Karnes CityMain office311 E Calvert Ave, Karnes City, TX 78118Directions
Beeville area · 1
- Beeville Branch1708 Wofford Ln, Beeville, TX 78102Directions
Kenedy area · 1
- Kenedy Branch100a Business Park Blvd, Kenedy, TX 78119Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.76% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.15% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.61% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $45 | $81 | — |
- CapitalLeverage ratio10.76%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.15%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.61%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$45Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Karnes County National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.