KS Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 398.39 percentage points higher than in Q1 2026, at 973.71%. KS Bank, Inc. ranks 14th of 38 North Carolina banks on return on assets, in the upper half at 1.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. KS Bank, Inc. sits 0.10 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 1.66% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 973.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 17.10% |
| Net interest margin | 3.99% |
| Efficiency ratio | 56.53% |
| Yield on earning assets | 6.05% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.67% |
| Core deposits to total deposits | 90.41% |
| Brokered deposits to total deposits | 3.62% |
| Deposits to assets | 89.79% |
| Securities to assets | 10.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.68% | 1.06% | 3.65% | 0.60% | 0.00% |
| Q4 2023 | 9.67% | 1.08% | 3.56% | 0.53% | -0.03% |
| Q1 2024 | 9.63% | 0.98% | 3.58% | 0.18% | 0.00% |
| Q2 2024 | 9.49% | 1.13% | 3.70% | 0.16% | 0.00% |
| Q3 2024 | 9.18% | 0.94% | 3.56% | 0.12% | 0.01% |
| Q4 2024 | 9.24% | 1.03% | 3.87% | 0.14% | 0.00% |
| Q1 2025 | 9.31% | 1.25% | 3.89% | 0.12% | 0.00% |
| Q2 2025 | 9.22% | 1.30% | 4.08% | 0.01% | 0.08% |
| Q3 2025 | 9.29% | 1.39% | 4.18% | 0.11% | 0.06% |
| Q4 2025 | 9.02% | 1.35% | 4.13% | 0.05% | 0.00% |
| Q1 2026 | 8.60% | 1.25% | 3.90% | 0.13% | -0.01% |
| Q2 2026 | 9.01% | 1.36% | 3.99% | 0.08% | 0.09% |
KS Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)