BlastPoint's Banking Scorecard

Kingstree Federal Savings and Loan Association

under $100M Specialty: Mortgage SC FDIC cert 29486

Designations: ✓ Community bank

Kingstree, SC

541 banks in the under $100M peer group nationally 3 in 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

- Net Interest Margin 1.85% below tier average
- Efficiency Ratio 51.35% above tier average
- Non-Interest-Bearing Deposit Share 23.47% below tier average
- ROA 1.39% below tier average
- Delinquency Rate 1.48% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$38.1M +4.6% YoY +1.7% QoQ	-$24.1M	$62.2M -0.6% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$26.4M +2.3% YoY +5.2% QoQ	-$7.9M	$34.2M -1.4% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$32.6M +5.8% YoY +2.2% QoQ	-$19.1M	$51.7M -0.7% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	-0.55% -22.5% YoY +6.9% QoQ	-1.39%	0.84% -2.3% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Bottom 10.7% in tier
Net Interest Margin ?	2.01% +17.0% YoY +19.6% QoQ	-1.85%	3.86% +2.8% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	139.69% +3.5% YoY -5.0% QoQ	+51.35%	88.34% +0.3% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Bottom 4.8% in tier
Delinquency Rate ?	2.85% -23.6% YoY -13.2% QoQ	+1.48%	1.37% +33.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Bottom 13.1% in tier
Loan-to-Deposit Ratio ?	80.88% -3.3% YoY +3.0% QoQ	+16.67%	64.22% -0.7% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	0.25% -33.6% YoY +86.5% QoQ	-23.47%	23.71% +0.3% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	Bottom 5.5% in tier
Nonperforming Asset Ratio ?	1.98% -25.3% YoY -10.1% QoQ	+1.19%	0.79% +28.2% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	14.95% -7.6% YoY -2.7% QoQ	-11.73%	26.68% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.06% +18.1% YoY -70.5% QoQ	-0.61%	0.67% +1.9% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

525

Net Interest Margin

profitability

Value: 2.01%

Peer Median: 3.86%

#525 of 541 Bottom 3.1% in under $100M

516

Efficiency Ratio

profitability

Value: 139.69%

Peer Median: 88.34%

#516 of 541 Bottom 4.8% in under $100M

512

Non-Interest-Bearing Deposit Share

funding

Value: 0.25%

Peer Median: 23.71%

#512 of 541 Bottom 5.5% in under $100M

484

Return on Assets

profitability

Value: -0.55%

Peer Median: 0.84%

#484 of 541 Bottom 10.7% in under $100M

481

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.79%

#481 of 541 Bottom 11.3% in under $100M

454

Delinquency Rate

credit_quality

Value: 2.85%

Peer Median: 1.37%

#454 of 521 Bottom 13.1% in under $100M

441

Total Assets

size

Value: $38.07M

Peer Median: $62.16M

#441 of 541 Bottom 18.7% in under $100M

428

Total Deposits

size

Value: $32.62M

Peer Median: $51.74M

#428 of 541 Bottom 21.1% in under $100M