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Kingstree Federal Savings and Loan Association

under $100M Specialty: Mortgage SC FDIC cert 29486

Designations: ✓ Community bank

Kingstree, SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 3 in SC.
  • Deposits +8.6% year over year ($33.9M on the books).
  • Delinquency rate 2.56%.
  • Return on assets -0.61%.
  • Efficiency ratio 135.13% vs a 119.40% peer average.
  • Loan-to-deposit ratio 85.09% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 3 in SC
View under $100M leaderboard (SC) →

Kingstree Federal Savings and Loan Association faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Return on Assets 1.61% below tier average
  • - Net Interest Margin 1.93% below tier average
  • - Efficiency Ratio 15.73% above tier average
  • - Non-Interest-Bearing Deposit Share 23.00% below tier average
  • - Delinquency Rate 1.08% above tier average
Get updates when Kingstree Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $39.3M
+7.0% YoY +3.3% QoQ
-$23.1M $62.4M
-0.0% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $28.8M
+12.7% YoY +9.3% QoQ
-$6.1M $34.9M
-0.6% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $33.9M
+8.6% YoY +3.9% QoQ
-$17.7M $51.6M
-0.2% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? -0.61%
-62.0% YoY -11.0% QoQ
-1.61% 1.00%
+3.5% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
Bottom 8.4% in tier
Net Interest Margin ? 1.99%
+20.4% YoY -1.2% QoQ
-1.93% 3.91%
+2.3% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
Bottom 3.5% in tier
Efficiency Ratio ? 135.13%
+1.3% YoY -3.3% QoQ
+15.73% 119.40%
+49.6% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Bottom 5.8% in tier
Delinquency Rate ? 2.56%
-23.8% YoY -10.4% QoQ
+1.08% 1.48%
+31.8% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 85.09%
+3.8% YoY +5.2% QoQ
+10.88% 74.21%
+12.6% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 0.49%
+13.0% YoY +101.0% QoQ
-23.00% 23.49%
+0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
Bottom 6.2% in tier
Nonperforming Asset Ratio ? 1.87%
-19.7% YoY -5.3% QoQ
+1.04% 0.84%
+23.0% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Bottom 11.9% in tier
Tier 1 Capital Ratio ? 12.08%
-24.8% YoY -19.2% QoQ
-15.04% 27.13%
+3.0% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.11%
+21.8% YoY +98.2% QoQ
-1.27% 1.38%
+6.3% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 0.5%
+0.1pp YoY
+0.2pp QoQ
 -24.1pp 24.6% 21.7% 22.2% 1%
Brokered Deposits n/a n/a 9.8% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 0.8%
-0.1pp YoY
-0.1pp QoQ
 -12.6pp 13.4% 9.8% 12.5% 2%
CRE 26.7%
-1.9pp YoY
-0.1pp QoQ
 +1.5pp 25.2% 43.3% 41.4% 66%
1-4 Family 73.5%
+2.0pp YoY
+0.3pp QoQ
 +38.5pp 35.0% 44.4% 31.3% 89%
Consumer 0.2%
0.0pp YoY
-0.1pp QoQ
 -7.4pp 7.7% 4.5% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 18.1% 19.7% n/a
Leverage Ratio 12.1%
-4.0pp YoY
-2.9pp QoQ
 -5.6pp 17.7% 12.3% 12.6% 41%
Total Capital Ratio n/a n/a 39.7% 19.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 7
+1 (+16.7%) YoY
0 QoQ
 -5 12 174 482 20%
Assets per Employee ($) $5.6M
-8.3% YoY
+3.3% QoQ
 -$570K $6.2M $7.8M $8.8M 45%
Branch Count 1
0 YoY
0 QoQ
 -1 1 12 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.0% 0.4% n/a
Nonaccrual 2.6%
-0.8pp YoY
-0.3pp QoQ
 +0.8pp 1.7% 0.5% 1.0% 82%
Allowance Coverage 0.36x
+27.9% YoY
+13.6% QoQ
 -6.05x 6.41x 15.59x 20.23x 11%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.1% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE -4.5%
-1.9pp YoY
-0.5pp QoQ
 -10.8pp 6.4% 11.7% 11.6% 8%
Cost of Funds (YTD) 2.8%
-0.1pp YoY
+0.1pp QoQ
 +1.4pp 1.4% 1.6% 1.7% 97%
Net Income ($, YTD) $-117000.0
-69.6% YoY
— QoQ
 -$435K $317,817 $9.6M $40.4M 9%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

518
Net Interest Margin
profitability
Value: 1.99%
Peer Median: 3.91%
#518 of 536 Bottom 3.5% in under $100M
506
Efficiency Ratio
profitability
Value: 135.13%
Peer Median: 119.40%
#506 of 536 Bottom 5.8% in under $100M
504
Non-Interest-Bearing Deposit Share
funding
Value: 0.49%
Peer Median: 23.49%
#504 of 536 Bottom 6.2% in under $100M
492
Return on Assets
profitability
Value: -0.61%
Peer Median: 1.00%
#492 of 536 Bottom 8.4% in under $100M
473
Nonperforming Asset Ratio
credit_quality
Value: 1.87%
Peer Median: 0.84%
#473 of 536 Bottom 11.9% in under $100M
439
Delinquency Rate
credit_quality
Value: 2.56%
Peer Median: 1.48%
#439 of 517 Bottom 15.3% in under $100M
432
Total Assets
size
Value: $39.33M
Peer Median: $62.44M
#432 of 536 Bottom 19.6% in under $100M
419
Loan-to-Deposit Ratio
liquidity
Value: 85.09%
Peer Median: 74.21%
#419 of 536 Bottom 22.0% in under $100M
415
Total Deposits
size
Value: $33.88M
Peer Median: $51.62M
#415 of 536 Bottom 22.8% in under $100M
412
Tier 1 Capital Ratio
capital
Value: 12.08%
Peer Median: 27.13%
#412 of 536 Bottom 23.3% in under $100M
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