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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 $0.1MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $33.7M0%Noninterest $0.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin1.28%1.37%1.58%1.51%1.49%1.52%1.83%1.73%+22 bps
Efficiency Ratio142.35%142.28%135.00%133.44%142.98%147.09%139.69%135.13%+169 bps
Non-Interest Burden1.90%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 / Loans4.63%4.96%3.70%3.32%3.44%3.26%2.83%2.53%-79 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.01%0.01%0.02%0.02%0.01%0 bps
Allowance / Loans0.92%0.93%0.95%0.95%0.95%0.93%0.91%0.92%-2 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.3x0.3x0.3x0.4x+0.1x
Capital
Tier 1 Leverage Ratio14.43%15.62%16.18%16.07%15.71%15.37%14.95%12.08%-399 bps
Total Risk-Based Capital14.43%15.62%16.18%16.07%15.71%15.37%14.95%12.08%-399 bps
Equity / Assets13.22%14.57%14.67%14.53%14.44%14.19%13.80%13.29%-125 bps
Liquidity & Funding
Loans / Deposits73.34%84.32%84.42%82.76%80.33%79.26%81.62%85.88%+312 bps
Liquid Assets / Assets2.81%3.06%3.22%2.40%3.25%2.71%2.79%2.11%-29 bps
CRE / Total Capitaln/an/an/an/a109.31%110.12%124.80%n/an/a