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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

4.03%Q2 ’244.02%Q2 ’254.29%Q2 ’26+13%+20%

Non-interest income vs. expense

2.18%Q2 ’242.14%Q2 ’252.55%Q2 ’26-1%+19%

Executive Summary

  • Earnings: ROA of -0.67%, down 37 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 0.00%.
  • 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 (quarter, annualized)

-0.67%-37 bps YoY

Net Interest Margin (quarter, annualized)

1.73%+28 bps YoY

Efficiency Ratio (quarter, annualized)

130.61%-114 bps YoY

Tier 1 Leverage Ratio

12.08%-399 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.31%-0.66%-0.94%-0.55%-0.67%-37 bps
Return on Equity-2.10%-4.56%-6.59%-3.94%-4.96%-287 bps
Net Interest Margin1.45%1.50%1.64%1.83%1.73%+28 bps
Efficiency Ratio131.76%161.94%158.14%139.69%130.61%-114 bps
Non-Interest Burden1.96%2.54%2.71%2.64%2.33%+36 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 / Loans0.00%0.00%0.05%0.02%0.00%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