KS Bank, Inc.
Total assets
$874.5M
▲ +20.4% YoY
Deposits
$785.2M
▲ +18.5% YoY
Loans
$714.3M
▲ +21.5% YoY
Offices
13
KS BCORP INC
ROA (annualized)
1.33%
peers 1.28%
ROE (annualized)
16.60%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | KS Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.4% | +4.9% | +15.5 pts |
| Deposit growth (YoY) | +18.5% | +4.3% | +14.2 pts |
| Loan growth (YoY) | +21.5% | +5.3% | +16.1 pts |
| ROA | 1.33% | 1.28% | +0.1 pts |
| ROE | 16.6% | 12.4% | +4.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
Profile
- Established
- 1924
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- KS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1031 N Brightleaf Blvd, Smithfield, NC, 27577
- County
- Johnston
- Metro area
- Raleigh-Cary, NC
- Offices
- 13
- FDIC cert #
- 29771
- RSSD ID
- 416674
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $874.5M | $785.2M | $714.3M | $73.5M | $5.7M | 1.33% | 3.98% | 0.15% |
| Q1 2026 | $873.1M | $800.0M | $687.5M | $67.2M | $2.7M | 1.28% | 3.92% | 0.16% |
| Q4 2025 | $821.6M | $750.1M | $664.2M | $65.8M | $9.9M | 1.33% | 4.05% | 0.10% |
| Q3 2025 | $771.7M | $703.5M | $622.1M | $62.6M | $7.2M | 1.32% | 4.04% | 0.16% |
| Q2 2025 | $726.3M | $662.5M | $587.9M | $58.8M | $4.6M | 1.29% | 4.00% | 0.08% |
| Q1 2025 | $721.1M | $658.2M | $561.6M | $57.6M | $2.2M | 1.25% | 3.86% | 0.10% |
| Q4 2024 | $690.0M | $618.8M | $554.5M | $55.5M | $6.8M | 1.02% | 3.64% | 0.11% |
| Q3 2024 | $685.8M | $624.3M | $517.9M | $56.8M | $5.0M | 1.01% | 3.55% | 0.10% |
Loan mix (Q2 2026): real estate $678.5M · commercial $28.6M · consumer $938K · securities $94.5M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | KS Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 12.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.89% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 61.2% | 38th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | KS Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | KS Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | KS Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | KS Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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