Kingston National Bank
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Data as of · sourced from FFIEC call reports. How we update
Kingston National Bank is an FDIC-insured commercial bank headquartered in Kingston, OH, established in 1909 (FDIC certificate 6616), and it is supervised by the OCC. At Q2 2026 it reported total assets of $586.3M, up 3.2% from Q2 2025, the 49th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 13.37% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6616
- Headquarters
- Kingston, OH
- Established
- 1909
- Total assets, Q2 2026
- $586.3M
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 13.37%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 044210063
- Latest call report
- Q2 2026, FFIEC 051 · Kingston National Bank call report
- Holding company
- KINGSTON BANCSHARES, INC.
- Asset rank in state
- 49th of 154 in Ohio
Kingston National Bank, based in Kingston, Ohio, reported $586 million in assets at June 30, 2026, up 3.2% from a year earlier. It keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 9.21% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 22% of Tier 1 capital, down from 29% a year earlier. Profitability lags: it earns about $0.81 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Kingston National Bank reported a CET1 capital ratio of 13.37%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Kingston National Bank is the 49th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $586.3M, loans rose 0.6% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.2% of total loans, followed by farmland and other real estate loans at 18.9%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in OH; its Kingston office books 43% of its branch deposits. On its Q2 2026 call report, Kingston National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 N Main St, Kingston, OH 45644
- County
- Ross
- Metro Area
- Chillicothe, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $536.2M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $589.6M
- Average total loans
- $401.4M
- Average interest-bearing deposits
- $435.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6616
- Fed RSSD
- 966722
- Website
- www.kingstonnationalbank.com →
- Parent Holding Company
- KINGSTON BANCSHARES, INC. (RSSD 2246400)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Kingston National Bank's total assets ran between $520.0M (Q3 2023) and $586.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$586.3M total assets against $568.4M; $541.2M total liabilities against $528.8M.
$399.5M net loans and leases against $399.4M; $536.2M total deposits against $522.9M.
$116.2M securities against $114.7M; $46.5M cash and balances due against $29.3M.
$7.1M total interest income against $7.0M; $2.5M total interest expense against $2.5M.
$4.6M net interest income against $4.5M.
$509K total noninterest income against $511K; $3.6M total noninterest expense against $3.4M.
$78K provision for credit losses against $19K.
$1.2M net income against $1.3M.
0.81% return on assets against 0.90%; 3.20% net interest margin against 3.29%.
13.37% CET1 capital ratio against 12.52%; 9.21% tier 1 leverage ratio against 8.94%.
Inside the full Kingston National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKingston National Bank rankings
Its closest position to the top of a national ranking is 1,575 of 4,196, for total assets; its furthest is 2,879 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.31% (Q4 2024) to 0.90% (Q2 2025) and its net interest margin ran from 2.51% (Q3 2024) to 3.34% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.37% | 0.81% | 0.27% | 2.23% | 3.20% |
| Q1 2026 | 13.01% | 0.87% | 0.26% | 2.18% | 3.34% |
| Q4 2025 | 12.57% | 0.80% | 0.29% | 2.53% | 3.29% |
| Q3 2025 | 12.51% | 0.84% | 0.20% | 1.76% | 3.22% |
| Q2 2025 | 12.52% | 0.90% | 0.21% | 1.97% | 3.29% |
| Q1 2025 | 12.68% | 0.44% | 0.28% | 2.61% | 2.69% |
| Q4 2024 | 12.19% | 0.31% | 0.22% | 2.13% | 2.67% |
| Q3 2024 | 12.57% | 0.35% | 0.14% | 1.28% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kingston National Bank (main office) | Kingston , OH | 45644 | $231.4M |
| Kingston National Bank Branch | Chillicothe , OH | 45601 | $88.3M |
| Clearcreek Valley Branch | Amanda , OH | 43102 | $75.7M |
| Circleville Branch | Circleville , OH | 43113 | $60.0M |
| South Bloomfield Branch | South Bloomfield , OH | 43103 | $47.3M |
| Adelphi Branch | Adelphi , OH | 43101 | $33.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 8, 1991, OCC: Formal Agreement: Kingston National Bank
- Period: Most recent institution action May 8, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 58 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 143 applications, 111 loans originated, $22.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kingston National Bank
What are Kingston National Bank's total assets?
As of the Q2 2026 filing, Kingston National Bank reported total assets of $586.3 million in its FFIEC call report.
Where is Kingston National Bank headquartered?
It is headquartered in Kingston, OH, United States.
When was Kingston National Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Kingston National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kingston National Bank?
Kingston National Bank's primary federal regulator is the OCC.
What is Kingston National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kingston National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kingston National Bank's Texas Ratio?
Its Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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