KS Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks KS Bank, Inc. of Smithfield, NC against its peer group of 2672 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 | 1.36% | 1.35% | +0.01% | 56th above |
| ROAE | 17.10% | 12.05% | +5.05% | 76th top |
| Net Interest Margin | 3.99% | 3.90% | +0.09% | 53rd above |
| Efficiency Ratio | 56.53% | 63.15% | -6.62% | 65th above |
| PPNR / Avg Assets | 1.87% | 1.64% | +0.23% | 66th above |
| Yield on Earning Assets | 6.05% | 5.65% | +0.40% | 71st above |
| Cost of Funds | 2.14% | 1.85% | +0.29% | 30th below |
| Net Interest Spread | 3.25% | 3.35% | -0.10% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.92% | -0.84% | 76th top |
| NPA / Total Assets | 0.12% | 0.67% | -0.55% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.15% | -0.06% | 19th bottom |
| ACL / Total Loans | 0.76% | 1.28% | -0.52% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 973.71% | 1645.42% | -671.71% | 82nd top |
| Texas Ratio | 1.66% | 7.15% | -5.49% | 66th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 391.67% | 1189.68% | -798.01% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.01% | 12.46% | -3.45% | 12th bottom |
| Equity / Assets | 8.41% | 11.67% | -3.26% | 18th bottom |
| TCE / Tangible Assets | 8.41% | 11.40% | -2.99% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.67% | 78.64% | +13.03% | 25th below |
| Core Deposit Ratio | 90.41% | 87.09% | +3.32% | 57th above |
| Wholesale Funding Ratio | 1.14% | 5.12% | -3.98% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.40% | 6.47% | +13.93% | 95th top |
| Loan Growth (Y/Y) | 21.46% | 7.63% | +13.83% | 93rd top |
| Deposit Growth (Y/Y) | 18.52% | 6.02% | +12.50% | 94th top |
See KS Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock KS Bank, Inc., 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 KS Bank, Inc. profile, how to read a UBPR, or how this data updates.