PackageTrendsPeer
Letter portraitLegal landscape

Kingstree Federal Savings and Loan Association

Kingstree, SC · Cert 29486 · Kingstree Bancshares M H C

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kingstree Federal Savings and Loan Association

Kingstree, SC · Cert 29486 · Kingstree Bancshares M H C

State savings bank · OCC · 1 branch

Q2 2026

$39.3MAssets
$29.1MLoans
$33.9MDeposits
$5.2MEquity
Loan mix
99%RE $26.4M1%C&I $0.2M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $33.7M0%Noninterest $0.2MQ2 2025Q2 2026

NIM

3.93%Q2 ’244.11%Q2 ’254.15%Q2 ’26+15%+14%

Non-interest income vs. expense

2.28%Q2 ’242.25%Q2 ’252.62%Q2 ’26+0%+16%

Executive Summary

  • Earnings: ROA of -0.61%, down 23 bps year over year; NIM at 1.73%.
  • Asset quality: problem loans at 2.53% of loans (-79 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.08%, down 399 bps from a year ago.
  • Funding: loans stand at 85.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.61%-23 bps YoY

Net Interest Margin (YTD, annualized)

1.73%+22 bps YoY

Efficiency Ratio (YTD, annualized)

135.13%+169 bps YoY

Tier 1 Leverage Ratio

12.08%-399 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.38%-0.47%-0.59%-0.55%-0.61%-23 bps
Return on Equity-2.59%-3.24%-4.08%-3.94%-4.45%-186 bps
Net Interest Margin1.51%1.49%1.52%1.83%1.73%+22 bps
Efficiency Ratio133.44%142.98%147.09%139.69%135.13%+169 bps
Non-Interest Burden2.07%2.21%2.33%2.64%2.41%+33 bps
Growth
Asset Growth (YoY)-10.81%-10.10%2.45%4.64%6.98%+1,778 bps
Loan Growth (YoY)-1.47%-3.01%-3.20%2.24%12.72%+1,419 bps
Deposit Growth (YoY)-12.46%-11.45%2.98%5.75%8.63%+2,109 bps
Asset Quality
Nonperforming Loans / Loans3.32%3.44%3.26%2.83%2.53%-79 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.02%0.01%0 bps
Allowance / Loans0.95%0.95%0.93%0.91%0.92%-2 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.4x+0.1x
Capital
Tier 1 Leverage Ratio16.07%15.71%15.37%14.95%12.08%-399 bps
Total Risk-Based Capital16.07%15.71%15.37%14.95%12.08%-399 bps
Equity / Assets14.53%14.44%14.19%13.80%13.29%-125 bps
Liquidity & Funding
Loans / Deposits82.76%80.33%79.26%81.62%85.88%+312 bps
Liquid Assets / Assets2.40%3.25%2.71%2.79%2.11%-29 bps
CRE / Total Capitaln/a109.31%110.12%124.80%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kingstree Federal Savings and Loan Association

Kingstree, SC · Cert 29486 · Peer group: banks under $1B in assets (n=581-629) · Kingstree Bancshares M H C

State savings bank · OCC · 1 branch

Q2 2026

$39.3MAssets
$29.1MLoans
$33.9MDeposits
$5.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 72% of banks under $1B in assets (rank 178 of 629).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 610 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.59%

Rank 595 of 629

Net Interest Margin

1.73%

Rank 610 of 629

Efficiency Ratio

135.13%

Rank 603 of 629

Equity / Assets

13.29%

Rank 178 of 629

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 4% of banks under $1B in assets
Bank 135.13%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.59%0.60%1.01%1.45%Beats 5%595 / 629
Return on Equity-4.48%5.38%9.30%13.28%Beats 6%593 / 629
Net Interest Margin1.73%3.03%3.54%4.05%Beats 3%610 / 629
Efficiency Ratio135.13%58.35%67.79%79.08%Beats 4%603 / 629
Asset Quality
Nonperforming Loans / Loans2.53%0.09%0.46%1.20%Beats 9%527 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 61%231 / 581
Capital
Tier 1 Capital Ratio12.08%11.24%13.84%18.77%Beats 34%415 / 629
Total Risk-Based Capital Ratio12.08%11.58%14.43%19.66%Beats 29%444 / 629
Equity / Assets13.29%9.09%10.65%13.80%Beats 72%178 / 629
Liquidity & Funding
Loans / Deposits85.88%67.24%80.90%93.48%60th pctl236 / 594
Loans / Assets73.97%53.31%67.71%78.15%63rd pctl230 / 629
Brokered Deposits / Depositsn/aNot reported for this institution