Smithfield, NC · Cert 29771 · KS Bcorp Inc.
SI · FDIC · 12 branches
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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
53
Profitability
68
Liquidity
39
Efficiency
70
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.
Smithfield, NC · Cert 29771 · KS Bcorp Inc.
SI · FDIC · 12 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 0.5% share · #16 of 37 inst. · $0.6B of $110.3B
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 | 1.01% | 1.02% | 1.25% | 1.29% | 1.32% | 1.33% | 1.28% | 1.33% | +4 bps | |
| Return on Equity | 12.42% | 12.58% | 15.66% | 16.07% | 16.43% | 16.50% | 16.28% | 16.60% | +54 bps | |
| Net Interest Margin | 3.26% | 3.32% | 3.70% | 3.71% | 3.75% | 3.63% | 3.70% | 3.70% | -1 bps | |
| Efficiency Ratio | 64.53% | 65.05% | 59.59% | 58.50% | 58.62% | 58.62% | 57.66% | 57.33% | -117 bps | |
| Non-Interest Burden | 1.91% | 1.97% | 1.98% | 1.93% | 1.96% | 1.89% | 1.91% | 1.90% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 12.58% | 9.65% | 8.70% | 12.52% | 19.07% | 21.08% | 20.40% | +1,170 bps | |
| Loan Growth (YoY) | 14.56% | 17.22% | 15.21% | 16.56% | 20.07% | 19.77% | 22.40% | 21.46% | +490 bps | |
| Deposit Growth (YoY) | 12.76% | 13.44% | 9.67% | 8.61% | 12.68% | 21.21% | 21.55% | 18.52% | +990 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.12% | 0.01% | 0.11% | 0.05% | 0.13% | 0.12% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.05% | 0.03% | -0.01% | 0.04% | 0 bps | |
| Allowance / Loans | 0.81% | 0.76% | 0.79% | 0.79% | 0.77% | 0.76% | 0.77% | 0.76% | -3 bps | |
| Allowance Coverage of NPLs | 6.4x | 5.4x | 6.3x | 60.6x | 6.9x | 15.4x | 5.8x | 6.4x | -54.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.24% | 9.31% | 9.22% | 9.29% | 9.02% | 8.60% | 9.01% | -21 bps | |
| Total Risk-Based Capital | 9.18% | 9.24% | 9.31% | 9.22% | 9.29% | 9.02% | 8.60% | 9.01% | -21 bps | |
| Equity / Assets | 8.28% | 8.04% | 7.98% | 8.09% | 8.11% | 8.01% | 7.69% | 8.41% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.64% | 90.30% | 86.00% | 89.45% | 89.12% | 89.23% | 86.60% | 91.67% | +223 bps | |
| Liquid Assets / Assets | 5.47% | 1.55% | 4.76% | 1.90% | 3.15% | 3.68% | 6.71% | 3.62% | +172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 586% | 619% | 630% | n/a | n/a | |
Smithfield, NC · Cert 29771 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · KS Bcorp Inc.
SI · FDIC · 12 branches
Q2 2026
Return on Assets
1.31%
Rank 243 of 746
Net Interest Margin
3.70%
Rank 360 of 746
Efficiency Ratio
57.33%
Rank 223 of 746
Equity / Assets
8.41%
Rank 610 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.72% | 1.06% | 1.45% | Beats 67% | 243 / 746 | ||
| Return on Equity | 15.54% | 6.74% | 10.51% | 13.63% | Beats 86% | 107 / 746 | ||
| Net Interest Margin | 3.70% | 3.17% | 3.68% | 4.16% | Beats 52% | 360 / 746 | ||
| Efficiency Ratio | 57.33% | 55.74% | 64.58% | 75.47% | Beats 70% | 223 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 73% | 199 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 507 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 11.55% | 13.75% | 17.60% | Beats 1% | 739 / 746 | ||
| Total Risk-Based Capital Ratio | 9.01% | 11.71% | 14.33% | 18.43% | Beats 1% | 739 / 746 | ||
| Equity / Assets | 8.41% | 8.90% | 10.51% | 13.06% | Beats 18% | 610 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.67% | 61.31% | 78.27% | 90.78% | 77th pctl | 172 / 746 | ||
| Loans / Assets | 82.31% | 53.60% | 66.97% | 76.08% | 90th pctl | 72 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||