BlastPoint's Banking Scorecard
KS Bank, Inc.
Smithfield, NC
13 branches across NC
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
- Deposits +18.5% year over year ($785.2M on the books).
- Delinquency rate 0.12%.
- Return on assets 1.33%.
- Efficiency ratio 57.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.98% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
KS Bank, Inc. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.15% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$874.5M
+20.4% YoY
+0.2% QoQ
|
+$487.9M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Top 4.6% in tier |
| Total Loans ? |
$714.3M
+21.5% YoY
+3.9% QoQ
|
+$456.0M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 2.0% in tier |
| Total Deposits ? |
$785.2M
+18.5% YoY
-1.9% QoQ
|
+$458.4M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
Top 2.8% in tier |
| Return on Assets ? |
1.33%
+3.3% YoY
+4.4% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.98%
-0.3% YoY
+1.7% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
57.33%
-2.0% YoY
-0.6% QoQ
|
-7.15% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.12%
+817.1% YoY
-11.4% QoQ
|
-0.80% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
90.98%
+2.5% YoY
+5.9% QoQ
|
+13.02% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
21.84%
-1.2% YoY
+5.5% QoQ
|
-0.19% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.15%
+88.3% YoY
-5.5% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
9.01%
-2.3% YoY
+4.8% QoQ
|
-6.89% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.0% in tier |
| Non-Interest Income / Assets ? |
0.27%
-10.1% YoY
+105.5% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.8%
-0.3pp YoY +1.1pp QoQ |
-0.3pp | 22.1% | 21.8% | 22.2% | 54% |
| Brokered Deposits |
3.6%
-0.2pp YoY -5.7pp QoQ |
-4.2pp | 7.9% | 7.7% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
+0.4pp YoY +0.4pp QoQ |
-7.5pp | 11.6% | 10.5% | 12.5% | 14% |
| CRE |
67.7%
+1.3pp YoY -0.4pp QoQ |
+28.2pp | 39.5% | 46.3% | 41.4% | 91% |
| 1-4 Family |
27.0%
-1.5pp YoY 0.0pp QoQ |
-5.6pp | 32.6% | 44.2% | 31.3% | 45% |
| Consumer |
0.1%
-0.2pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 1.6% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
9.0%
-0.2pp YoY +0.4pp QoQ |
-3.2pp | 12.2% | 14.4% | 12.6% | 12% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
112
+9 (+8.7%) YoY +9 (+8.7%) QoQ |
+53 | 58 | 5,103 | 482 | 90% |
| Assets per Employee ($) |
$7.8M
+10.7% YoY -7.9% QoQ |
+$289K | $7.5M | $9.4M | $8.8M | 65% |
| Branch Count |
12
+1 (+9.1%) YoY 0 QoQ |
+7 | 4 | 170 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.1% | 0.4% | 36% |
| Nonaccrual |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 16% |
| Allowance Coverage |
6.39x
-89.5% YoY +11.1% QoQ |
-17.76x | 24.15x | 3.36x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+0.5pp YoY +0.3pp QoQ |
+4.4pp | 12.2% | 8.7% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.1%
+0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$5.7M
+24.2% YoY — QoQ |
+$3.2M | $2.6M | $518.0M | $40.4M | 91% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.