Kingstree Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Kingstree Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Kingstree, SC, supervised by the OCC, with $39.3M in total assets at Q2 2026, up 7.0% from Q2 2025, the 42nd largest of 43 banks headquartered in South Carolina. It was established in 1926 and holds FDIC certificate 29486. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29486
- Headquarters
- Kingstree, SC
- Established
- 1926
- Total assets, Q2 2026
- $39.3M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 13.91%
- Domestic offices
- 1 · Kingstree Federal Savings and Loan Association branches FDIC institution directory, current count
- Routing number
- 253272287
- Safety and soundness
- Is Kingstree Federal Savings and Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Kingstree Federal Savings and Loan Association Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- KINGSTREE BANCSHARES, M.H.C.
- Asset rank in state
- 42nd of 43 in South Carolina
Kingstree Federal Savings and Loan Association spends more to run itself than most banks of its size. Its balance sheet stood at $39 million at June 30, 2026, up 7.0% from a year earlier; it is based in Kingstree, South Carolina. It loses about $0.65 a year on every $100 of assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median $1.04). It also spends about 127 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $65,000 in the quarter. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.53% of loans, down from 3.32% a year earlier. Its margin is thin by comparison: it keeps 1.85 cents of net interest income on every dollar of earning assets, about half the median of 3.91 cents for banks its size.
As of June 30, 2026, Kingstree Federal Savings and Loan Association reported a return on assets of -0.65%, a nonperforming-loan ratio of 2.53% and a Texas ratio of 13.42%. The figures come from its call report filed with the FFIEC.
Kingstree Federal Savings and Loan Association ranks as the 42nd largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $39.3M, loans rose 9.3% and deposits rose 3.9%. 1-4 family residential loans made up 72.8% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 18.1%. The FDIC Summary of Deposits lists a single office for it, in Kingstree, SC. By the capital ratios in its Q2 2026 call report, Kingstree Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Mill St, Kingstree, SC 29556
- County
- Williamsburg
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $33.9M
- Allowance for credit losses
- $268K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $40.2M
- Average total loans
- $27.7M
- Average interest-bearing deposits
- $34.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29486
- Fed RSSD
- 440978
- Website
- www.kingstreefederal.com →
- Parent Holding Company
- KINGSTREE BANCSHARES, M.H.C. (RSSD 3834729)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Kingstree Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Kingstree Federal Savings and Loan Association's total assets ran between $35.5M (Q1 2024) and $41.3M (Q3 2024), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$39.3M total assets against $36.8M; $34.1M total liabilities against $31.4M.
$28.8M net loans and leases against $25.6M; $33.9M total deposits against $31.2M.
$5.8M securities against $5.9M; $1.7M cash and balances due against $2.5M.
$431K total interest income against $366K; $257K total interest expense against $234K.
$174K net interest income against $132K.
$22K total noninterest income against $16K; $256K total noninterest expense against $195K.
$26K provision for credit losses against -$4K.
-$65K net income against -$28K.
-0.65% return on assets against -0.31%; 1.85% net interest margin against 1.63%.
13.91% tier 1 leverage ratio against 16.07%.
Inside the full Kingstree Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.95% (Q4 2025) to -0.22% (Q3 2024) and its net interest margin ran from 1.38% (Q4 2024) to 1.97% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.91% | -0.65% | 2.53% | 13.42% | 1.85% |
| Q1 2026 | 14.95% | -0.55% | 2.83% | 13.71% | 1.97% |
| Q4 2025 | 15.37% | -0.95% | 3.26% | 14.85% | 1.77% |
| Q3 2025 | 15.71% | -0.66% | 3.44% | 15.58% | 1.62% |
| Q2 2025 | 16.07% | -0.31% | 3.32% | 15.36% | 1.63% |
| Q1 2025 | 16.18% | -0.45% | 3.70% | 17.24% | 1.70% |
| Q4 2024 | 15.62% | -0.44% | 4.96% | 23.28% | 1.38% |
| Q3 2024 | 14.43% | -0.22% | 4.63% | 21.23% | 1.56% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Kingstree Federal Savings and Loan Association (main office) | Kingstree , SC | 29556 | $33.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 71 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Kingstree Federal Savings and Loan Association
What are Kingstree Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Kingstree Federal Savings and Loan Association reported total assets of $39.3 million in its FFIEC call report.
Where is Kingstree Federal Savings and Loan Association headquartered?
It is headquartered in Kingstree, SC, United States.
When was Kingstree Federal Savings and Loan Association founded?
It was established in 1926, per the FDIC institution directory.
Is Kingstree Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kingstree Federal Savings and Loan Association?
Kingstree Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does Kingstree Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kingstree Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 13.42% 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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