KS Bank, Inc.
BankRegReports is independent of KS Bank, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
KS Bank, Inc. is an FDIC-insured savings bank headquartered in Smithfield, NC, established in 1924 (FDIC certificate 29771), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $874.5M, up 20.4% from Q2 2025, the 16th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29771
- Headquarters
- Smithfield, NC
- Established
- 1924
- Total assets, Q2 2026
- $874.5M
- Assets vs Q2 2025
- +20.4%
- Tier 1 leverage ratio, Q2 2026
- 9.01%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 253170758
- Holding company
- KS BANCORP, INC.
- Asset rank in state
- 16th of 38 in North Carolina
KS Bank, Inc. leans heavily on commercial real estate. Its balance sheet stood at $874 million at June 30, 2026, up 20.4% from a year earlier; it is based in Smithfield, North Carolina. It holds commercial real estate loans worth 4.0 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 21.5% over the year, 3.9 times the median of 5.5% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $3.0 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.1 million equal 10% of Tier 1 capital, down from 17% a year earlier. Where it has less room is capital: it funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, KS Bank, Inc. reported a return on assets of 1.36%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, KS Bank, Inc. is the 16th largest of the 38 banks headquartered in North Carolina. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $874.5M, loans rose 3.9% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. The FDIC Summary of Deposits lists 12 offices for it, in 11 cities in NC; its Smithfield 2 offices book 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, KS Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1031 N Brightleaf Blvd, Smithfield, NC 27577
- County
- Johnston
- Metro Area
- Raleigh-Cary, NC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Former names
- Kenly Savings Bank, Inc., S.S.B. (1993-1998); Kenly Savings Bank, S.S.B. (1992-1993)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 112
- Domestic deposits
- $785.2M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $144K
- Average total assets
- $885.4M
- Average total loans
- $705.7M
- Average interest-bearing deposits
- $654.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29771
- Fed RSSD
- 416674
- SEC CIK
- 912764 → filed by KS BANCORP, INC.
- Website
- www.KSBankinc.com →
- Parent Holding Company
- KS BANCORP, INC. (RSSD 2155276) · KSBI
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, KS Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, KS Bank, Inc.'s total assets ranged from $605.2M (Q3 2023) to $874.5M (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
$874.5M total assets against $726.3M; $800.9M total liabilities against $667.5M.
$714.3M net loans and leases against $587.9M; $785.2M total deposits against $662.5M.
$94.5M securities against $94.5M; $37.9M cash and balances due against $18.6M.
$12.8M total interest income against $10.6M; $4.4M total interest expense against $3.5M.
$8.4M net interest income against $7.1M.
$1.2M total noninterest income against $1.2M; $5.5M total noninterest expense against $4.8M.
$285K provision for credit losses against $371K.
$3.0M net income against $2.4M.
1.36% return on assets against 1.30%; 3.99% net interest margin against 4.08%.
9.01% tier 1 leverage ratio against 9.22%.
Inside the full KS Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
KS Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,158 of 4,196, for total assets; its furthest is 2,408 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.94% (Q3 2024) to 1.39% (Q3 2025) and its net interest margin ran from 3.56% (Q3 2024) to 4.18% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.01% | 1.36% | 0.12% | 1.66% | 3.99% |
| Q1 2026 | 8.60% | 1.25% | 0.13% | 1.91% | 3.90% |
| Q4 2025 | 9.02% | 1.35% | 0.05% | 1.17% | 4.13% |
| Q3 2025 | 9.29% | 1.39% | 0.11% | 1.78% | 4.18% |
| Q2 2025 | 9.22% | 1.30% | 0.01% | 0.91% | 4.08% |
| Q1 2025 | 9.31% | 1.25% | 0.12% | 1.13% | 3.89% |
| Q4 2024 | 9.24% | 1.03% | 0.14% | 1.32% | 3.87% |
| Q3 2024 | 9.18% | 0.94% | 0.13% | 1.07% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| KS Bank, Inc. (main office) | Smithfield , NC | 27577 | $135.7M |
| Goldsboro Branch | Goldsboro , NC | 27534 | $111.1M |
| Smithfield Branch | Smithfield , NC | 27577 | $90.3M |
| Selma Branch | Selma , NC | 27576 | $84.8M |
| Clayton Branch | Clayton , NC | 27520 | $84.6M |
| Wendell Branch | Wendell , NC | 27591 | $56.4M |
| Dunn Branch | Dunn , NC | 28334 | $52.7M |
| Four Oaks Branch | Four Oaks , NC | 27524 | $48.2M |
| Wilson Branch | Wilson , NC | 27893 | $42.5M |
| Garner Branch | Garner , NC | 27529 | $36.1M |
| Kenly Branch | Kenly , NC | 27542 | $34.6M |
| Bailey Branch | Bailey , NC | 27807 | $8.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NC, rank 32 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 139 applications, 124 loans originated, $51.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.6M approved, $393K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows KS Bank, Inc.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about KS Bank, Inc.
What are KS Bank, Inc.'s total assets?
As of the Q2 2026 filing, KS Bank, Inc. reported total assets of $874.5 million in its FFIEC call report.
Where is KS Bank, Inc. headquartered?
It is headquartered in Smithfield, NC, United States.
When was KS Bank, Inc. founded?
It was established in 1924, per the FDIC institution directory.
Is KS Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates KS Bank, Inc.?
KS Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does KS Bank, Inc. operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is KS Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 1.66% 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.
What was KS Bank, Inc. previously called?
The charter now named KS Bank, Inc. has also operated as Kenly Savings Bank, Inc., S.S.B. (1993-1998), Kenly Savings Bank, S.S.B. (1992-1993), per FDIC structure-change records.
Go deeper on KS Bank, Inc.
Get an email when KS Bank, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock KS Bank, Inc., freeFree account