TX lenders / Community Bank
The Karnes County National Bank of Karnes City
Community Bank · Karnes City, TX · Karnes Cnty Natl Bancshares
- Total assets
- $579.7M
- CRE loan book
- $155.7M
- QoQ CRE growth
- 0.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.51% as of Q1 2026 — TX bank median 6.76% (0.24pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.51% | 6.78% |
| Q4 2025 | 6.45% | 6.69% |
| Q3 2025 | 6.64% | 6.83% |
| Q2 2025 | 6.64% | 6.86% |
| Q1 2025 | 6.79% | 6.95% |
| Q4 2024 | 6.23% | 6.49% |
| Q3 2024 | 5.71% | 5.90% |
| Q2 2024 | 6.59% | 6.66% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $155.7M | $43.5M | $13.1M | 199% | $7.2M |
| Q4 2025 | $155.2M | $44.7M | $11.4M | 199% | $8.2M |
| Q3 2025 | $162.3M | $55.2M | $7.4M | 207% | $8.4M |
| Q2 2025 | $155.7M | $53.1M | $7.4M | 200% | $11.2M |
| Q1 2025 | $156.4M | $58.6M | $3.0M | 204% | $16.2M |
| Q4 2024 | $146.3M | $58.3M | $3.0M | 194% | $7.5M |
| Q3 2024 | $152.0M | $55.7M | $3.0M | 187% | $11.7M |
| Q2 2024 | $144.0M | $49.7M | $3.0M | 175% | $6.1M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Decorah Bank & Trust CompanyCommunity Bank · Decorah · $156.0M CRE book
- Elderton State BankCommunity Bank · Elderton · $156.6M CRE book
- Citizens First BankCommunity Bank · Viroqua · $156.8M CRE book
- Silver Lake BankCommunity Bank · Topeka · $154.6M CRE book
- First State Bank and Trust Company, Inc.Community Bank · Caruthersville · $153.8M CRE book
See all alternatives to The Karnes County National Bank of Karnes City →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.