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Kress National Bank
Kress, TX · FDIC Certificate #18892 · Chartered 09/1
Total assets
$63.71M
Total deposits
$57.48M
Total equity
$5.95M
Net loans
$14.83M
Branches (offices)
1
Net income (YTD)
$410.00K
Rank: #3,944 of 4,213 U.S. banks by assets · #328 of 346 in Texas. Assets changed 17.5% and deposits 19.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 13.53% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 9.34% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.24% |
| Loans to deposits | 25.8% |
| Real estate loans (share of loans) | 23.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.53M | 23.8% | |
| Commercial & industrial | $2.68M | 18.1% | |
| Consumer / individual | $991.00K | 6.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $7.98M | 53.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $50.90M | $46.48M | $102.00K | $4.32M |
| Jun 2023 | $52.88M | $48.22M | $421.00K | $4.50M |
| Jun 2024 | $49.62M | $43.99M | $439.00K | $5.25M |
| Jun 2025 | $54.23M | $48.07M | $418.00K | $5.82M |
| Jun 2026 | $63.71M | $57.48M | $410.00K | $5.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $57.48M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $57.48M.
Similar-sized banks
America'S Community Bank ($64.09M) · Community Bank Of Memphis ($63.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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