BanksKS BANK, INC.

KS BANK, INC.

SMITHFIELD, NCMediumEst. Jan. 1, 1924, midnightFDIC #29771RSSD #416674FDIC
Latest · 2025-12-31

KS BANK, INC. is an 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%. CET1 capital ratio: 8.01%. NPL ratio: 0.05% · Texas Ratio: 1.17%. Operates 11 domestic branches.

Assets
$822M
Deposits
$750M
Loans
$669M
Equity
$66M

Profitability

Return on Assets (ROA)1.35%
Return on Equity (ROE)16.76%
Net Interest Margin4.29%
Yield on Assets6.45%
Cost of Funds2.18%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio0.03%
Texas Ratio1.17%
NPA Ratio0.10%
ACL / Loans0.76%

Capital & Liquidity

CET1 Ratio8.01%
Tier 1 Capital8.01%
Total Capital Ratio8.41%
Leverage Ratio9.02%
Loan-to-Deposit89.23%

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