Kingstree Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kingstree Federal Savings and Loan Association of Kingstree, SC against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.65% | 3.14% | -3.79% | 9th bottom |
| ROAE | -4.96% | 10.43% | -15.39% | 9th bottom |
| Net Interest Margin | 1.85% | 3.93% | -2.08% | 2nd bottom |
| Efficiency Ratio | 127.33% | 76.25% | +51.08% | 7th bottom |
| PPNR / Avg Assets | -0.60% | 1.40% | -2.00% | 7th bottom |
| Yield on Earning Assets | 4.58% | 5.35% | -0.77% | 25th below |
| Cost of Funds | 2.96% | 1.70% | +1.26% | 9th bottom |
| Net Interest Spread | 1.48% | 3.31% | -1.83% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.53% | 1.34% | +1.19% | 13th bottom |
| NPA / Total Assets | 1.87% | 0.71% | +1.16% | 9th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.92% | 1.49% | -0.57% | 23rd bottom |
| ACL / NPLs (Coverage) | 36.36% | 865.48% | -829.12% | 11th bottom |
| Texas Ratio | 13.42% | 8.24% | +5.18% | 14th bottom |
| Provision / NCO | 3200.00% | 306.74% | +2893.26% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.08% | 17.61% | -5.53% | 39th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.29% | 16.43% | -3.14% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.29% | 16.18% | -2.89% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.88% | 72.81% | +13.07% | 22nd bottom |
| Core Deposit Ratio | 93.03% | 88.21% | +4.82% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.98% | 4.30% | +2.68% | 73rd above |
| Loan Growth (Y/Y) | 12.72% | 6.72% | +6.00% | 83rd top |
| Deposit Growth (Y/Y) | 8.63% | 3.76% | +4.87% | 79th top |
See Kingstree Federal Savings and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kingstree Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Kingstree Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.