KS BANK, INC.

SMITHFIELD, NC | Medium | Est. Jan. 1, 1924, midnight | FDIC #29771 | RSSD #416674 | FDIC
Latest Report: 2025-12-31

KS BANK, INC. is amn medium FDIC-insured commercial bank headquartered in SMITHFIELD, NC, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $822M and total deposits of $750M. Profitability stands at 1.35% ROA and 16.76% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 8.01%. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 1.17%. FDIC Certificate #29771.

Assets

$822M

Deposits

$750M

Loans

$669M

Equity

$66M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 16.76%
Net Interest Margin (NIM) 4.29%
Yield on Assets 6.45%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.17%
NPA Ratio 0.10%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 8.01%
Tier 1 Capital 8.01%
Total Capital Ratio 8.41%
Leverage Ratio 9.02%
Loan-to-Deposit 89.23%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required