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KS Bank, Inc.

$100M-$1B Specialty: Commercial NC FDIC cert 29771

Smithfield, NC

12 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

KS Bank, Inc. has 2 strengths but faces 1 concern

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

  • + Efficiency Ratio 7.63% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.2% in tier
Get updates when KS Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $873.1M
+21.1% YoY +6.3% QoQ
+$487.0M $386.1M
+0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
Top 4.9% in tier
Total Loans ? $687.5M
+22.4% YoY +3.5% QoQ
+$431.8M $255.7M
+1.1% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
Top 2.7% in tier
Total Deposits ? $800.0M
+21.5% YoY +6.7% QoQ
+$472.1M $328.0M
+0.1% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
Top 2.3% in tier
Return on Assets ? 1.28%
+1.9% YoY -3.8% QoQ
+0.01% 1.27%
+12.9% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
54%
Net Interest Margin ? 3.92%
+1.4% YoY -3.2% QoQ
-0.01% 3.93%
+6.0% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
53%
Efficiency Ratio ? 57.66%
-3.2% YoY -1.6% QoQ
-7.63% 65.29%
-4.5% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
67%
Delinquency Rate ? 0.14%
+8.3% YoY +173.7% QoQ
-0.75% 0.89%
+18.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
70%
Loan-to-Deposit Ratio ? 85.93%
+0.7% YoY -3.0% QoQ
+9.30% 76.64%
+0.8% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
33%
Non-Interest-Bearing Deposit Share ? 20.71%
-10.7% YoY -2.9% QoQ
-1.31% 22.02%
-1.0% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
48%
Nonperforming Asset Ratio ? 0.16%
+62.4% YoY +56.9% QoQ
-0.48% 0.64%
+19.7% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
64%
Tier 1 Capital Ratio ? 8.60%
-7.7% YoY -4.7% QoQ
-7.23% 15.83%
+1.5% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
Bottom 0.2% in tier
Non-Interest Income / Assets ? 0.13%
-6.1% YoY -76.2% QoQ
-0.15% 0.28%
+9.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
67%

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 (1)

Credit Quality Pressure

risk
#108 of 1308 • Bottom 8.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

63
Total Deposits
size
Value: $800.02M
Peer Median: $327.97M
#63 of 2664 Top 2.3% in $100M-$1B
72
Total Loans
size
Value: $687.49M
Peer Median: $255.72M
#72 of 2664 Top 2.7% in $100M-$1B
131
Total Assets
size
Value: $873.10M
Peer Median: $386.08M
#131 of 2664 Top 4.9% in $100M-$1B

Top Weaknesses (1 metrics)

2660
Tier 1 Capital Ratio
capital
Value: 8.60%
Peer Median: 15.83%
#2660 of 2664 Bottom 0.2% in $100M-$1B
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