Bank Comparison
Kingstree Federal Savings and Loan Association vs Five Rivers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.95% | 79.89% |
| Equity / Assets | 13.80% | 75.14% |
Profitability
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| Return on Assets (ROA) | -0.55% | -10.16% |
| Return on Equity (ROE) | -3.94% | -12.52% |
| Net Interest Margin (NIM) | 1.97% | 3.27% |
| Yield on Earning Assets | 4.61% | 3.83% |
| Cost of Funds | 2.86% | 2.76% |
Asset quality
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| Texas Ratio | 13.71% | 0.00% |
| Non-Performing Loan Ratio | 2.83% | 0.00% |
| Non-Performing Asset Ratio | 1.98% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 0.91% | 1.15% |
Balance sheet
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| Total Assets | $38,073K | $37,929K |
| Total Deposits | $32,617K | $8,568K |
| Total Loans | $26,621K | $3,222K |
| Total Equity | $5,253K | $28,498K |
| Net Income (quarter) | $-52 | $-906 |
Liquidity & funding
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.62% | 37.61% |
| Core Deposit Ratio | 94.35% | 57.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kingstree Federal Savings and Loan Association | Five Rivers Bank |
|---|---|---|
| Headquarters City | KINGSTREE | PARAMUS |
| Headquarters State | SC | NJ |
| Asset Tier | Micro | Micro |
| Charter Class | 703534 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 7 | 15 |
| Established | Jan. 1, 1926, midnight | May 12, 2025, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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