Kingstree Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 29.79 percentage points in Q2 2026, from 114.04% to 143.82%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Kingstree Federal Savings and Loan Association is 16th of 44 on loan-to-deposit ratio, 85.88% as of Q2 2026, above the middle of the field. Kingstree Federal Savings and Loan Association reported 85.88% on loan-to-deposit ratio for Q2 2026, 18.26 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $29.1M |
| Net loans and leases | $28.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.97% |
| Loan-to-deposit ratio | 85.88% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.14% |
| Multifamily (5+ residential) | 18.02% |
| Commercial and industrial | 0.81% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.82% |
| Construction concentration (Tier 1 capital + allowance) | 41.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.38% |
| Interest income on loans | $373K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.6M | $30.1M | 1.63% | 0.95% | 0.23% |
| Q4 2023 | $25.2M | $29.7M | 1.57% | 0.93% | 0.21% |
| Q1 2024 | $25.1M | $30.0M | 1.55% | 0.94% | 0.20% |
| Q2 2024 | $26.2M | $35.6M | 1.46% | 0.90% | 0.18% |
| Q3 2024 | $26.2M | $35.7M | 1.44% | 0.90% | 0.15% |
| Q4 2024 | $26.1M | $31.0M | 1.42% | 0.90% | 0.15% |
| Q1 2025 | $26.0M | $30.8M | 1.40% | 0.90% | 0.20% |
| Q2 2025 | $25.8M | $31.2M | 1.39% | 0.91% | 0.20% |
| Q3 2025 | $25.4M | $31.6M | 1.39% | 0.93% | 0.19% |
| Q4 2025 | $25.3M | $31.9M | 1.37% | 0.93% | 0.19% |
| Q1 2026 | $26.6M | $32.6M | 1.28% | 0.88% | 0.37% |
| Q2 2026 | $29.1M | $33.9M | 1.14% | 0.81% | 0.22% |
Kingstree Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kingstree Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kingstree Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29486) · FFIEC NIC profile (RSSD 440978)