KINGSTREE FEDERAL SAVINGS AND LOAN ASSOCIATION

KINGSTREE, SC | Micro | Est. Jan. 1, 1926, midnight | FDIC #29486 | RSSD #440978 | OCC
Latest Report: 2025-12-31

KINGSTREE FEDERAL SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in KINGSTREE, SC, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $37M and total deposits of $32M. Profitability stands at -0.94% ROA and -6.59% ROE, with a net interest margin of 1.77%. The bank's CET1 capital ratio is 14.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.26% and a Texas Ratio of 14.85%. FDIC Certificate #29486.

Assets

$37M

Deposits

$32M

Loans

$25M

Equity

$5M

Profitability

Return on Assets (ROA) -0.94%
Return on Equity (ROE) -6.59%
Net Interest Margin (NIM) 1.77%
Yield on Assets 4.50%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 3.26%
Net Charge-Off Ratio 0.02%
Texas Ratio 14.85%
NPA Ratio 2.20%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 14.19%
Tier 1 Capital 14.19%
Total Capital Ratio 14.90%
Leverage Ratio 15.37%
Loan-to-Deposit 79.26%

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