KS Bank, Inc.: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 17.14 percentage points lower than in Q1 2026, at 398.01%. Within North Carolina, KS Bank, Inc. is 10th of 38 on loan-to-deposit ratio, 91.67% as of Q2 2026, above the middle of the field. KS Bank, Inc. reported 91.67% on loan-to-deposit ratio for Q2 2026, 10.84 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $719.8M |
| Net loans and leases | $714.3M |
| Loans held for sale | $0 |
| Loans to total assets | 82.31% |
| Loan-to-deposit ratio | 91.67% |
| Net loans to equity capital | 9.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.20% |
| Multifamily (5+ residential) | 1.87% |
| Commercial and industrial | 3.98% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 398.01% |
| Construction concentration (Tier 1 capital + allowance) | 186.67% |
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 | 6.60% |
| Interest income on loans | $11.6M |
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 | $455.8M | $553.6M | 40.75% | 4.09% | 0.28% |
| Q4 2023 | $476.7M | $545.5M | 40.93% | 3.84% | 0.29% |
| Q1 2024 | $491.3M | $600.2M | 41.12% | 3.58% | 0.28% |
| Q2 2024 | $508.4M | $610.0M | 41.76% | 3.39% | 0.28% |
| Q3 2024 | $522.1M | $624.3M | 42.06% | 3.50% | 0.27% |
| Q4 2024 | $558.8M | $618.8M | 43.68% | 3.45% | 0.26% |
| Q1 2025 | $566.0M | $658.2M | 42.87% | 3.46% | 0.26% |
| Q2 2025 | $592.6M | $662.5M | 43.15% | 3.60% | 0.29% |
| Q3 2025 | $627.0M | $703.5M | 43.08% | 3.62% | 0.25% |
| Q4 2025 | $669.3M | $750.1M | 43.93% | 3.58% | 0.13% |
| Q1 2026 | $692.9M | $800.0M | 42.88% | 3.62% | 0.12% |
| Q2 2026 | $719.8M | $785.2M | 43.20% | 3.98% | 0.13% |
KS Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Bank, Inc., 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 KS Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29771) · FFIEC NIC profile (RSSD 416674)