KINGSTON NATIONAL BANK

KINGSTON, OH | Medium | Est. Jan. 1, 1909, midnight | FDIC #6616 | RSSD #966722 | OCC
Latest Report: 2025-12-31

KINGSTON NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in KINGSTON, OH, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $579M and total deposits of $530M. Profitability stands at 0.80% ROA and 10.78% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 12.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 2.53%. FDIC Certificate #6616.

Assets

$579M

Deposits

$530M

Loans

$420M

Equity

$44M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 10.78%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.28%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.53%
NPA Ratio 0.21%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 12.57%
Tier 1 Capital 12.57%
Total Capital Ratio 13.56%
Leverage Ratio 9.07%
Loan-to-Deposit 79.24%

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