Kingstree, SC · Cert 29486 · Kingstree Bancshares M H C
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
45
Asset Quality
35
Profitability
5
Liquidity
77
Efficiency
4
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.
Kingstree, SC · Cert 29486 · Kingstree Bancshares M H C
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.41% | -0.45% | -0.38% | -0.47% | -0.59% | -0.55% | -0.61% | -23 bps | |
| Return on Equity | -2.78% | -2.87% | -3.08% | -2.59% | -3.24% | -4.08% | -3.94% | -4.45% | -186 bps | |
| Net Interest Margin | 1.28% | 1.37% | 1.58% | 1.51% | 1.49% | 1.52% | 1.83% | 1.73% | +22 bps | |
| Efficiency Ratio | 142.35% | 142.28% | 135.00% | 133.44% | 142.98% | 147.09% | 139.69% | 135.13% | +169 bps | |
| Non-Interest Burden | 1.90% | 2.03% | 2.20% | 2.07% | 2.21% | 2.33% | 2.64% | 2.41% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.05% | 1.94% | 2.40% | -10.81% | -10.10% | 2.45% | 4.64% | 6.98% | +1,778 bps | |
| Loan Growth (YoY) | 6.21% | 3.61% | 3.66% | -1.47% | -3.01% | -3.20% | 2.24% | 12.72% | +1,419 bps | |
| Deposit Growth (YoY) | 18.64% | 4.46% | 2.96% | -12.46% | -11.45% | 2.98% | 5.75% | 8.63% | +2,109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.63% | 4.96% | 3.70% | 3.32% | 3.44% | 3.26% | 2.83% | 2.53% | -79 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.95% | 0.95% | 0.95% | 0.93% | 0.91% | 0.92% | -2 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.43% | 15.62% | 16.18% | 16.07% | 15.71% | 15.37% | 14.95% | 12.08% | -399 bps | |
| Total Risk-Based Capital | 14.43% | 15.62% | 16.18% | 16.07% | 15.71% | 15.37% | 14.95% | 12.08% | -399 bps | |
| Equity / Assets | 13.22% | 14.57% | 14.67% | 14.53% | 14.44% | 14.19% | 13.80% | 13.29% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.34% | 84.32% | 84.42% | 82.76% | 80.33% | 79.26% | 81.62% | 85.88% | +312 bps | |
| Liquid Assets / Assets | 2.81% | 3.06% | 3.22% | 2.40% | 3.25% | 2.71% | 2.79% | 2.11% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.31% | 110.12% | 124.80% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 1.73% | 3.03% | 3.54% | 4.05% | Beats 3% | 610 / 629 | ||
| Efficiency Ratio | 135.13% | 58.35% | 67.79% | 79.08% | Beats 4% | 603 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.53% | 0.09% | 0.46% | 1.20% | Beats 9% | 527 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 61% | 231 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.08% | 11.24% | 13.84% | 18.77% | Beats 34% | 415 / 629 | ||
| Total Risk-Based Capital Ratio | 12.08% | 11.58% | 14.43% | 19.66% | Beats 29% | 444 / 629 | ||
| Equity / Assets | 13.29% | 9.09% | 10.65% | 13.80% | Beats 72% | 178 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.88% | 67.24% | 80.90% | 93.48% | 60th pctl | 236 / 594 | ||
| Loans / Assets | 73.97% | 53.31% | 67.71% | 78.15% | 63rd pctl | 230 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||