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
Unfavorable gap of $1.0M · efficiency ratio beats 4% of banks under $1B in assets | 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 |