KS Bank, Inc.
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
$874.5MAssets
$719.8MLoans
$785.2MDeposits
$73.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets operating in a single state (rank 107 of 746).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $16.8M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | 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 |