TellerScore

Headquartered in Kingston, Ohio, Kingston National Bank is a national bank with $586.3M in total assets and $536.2M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1909.

Kingston National Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 98th. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (42/100, 9.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.21%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 74.5% · 33.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the earnings component improved by 7 points.

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202460
Q1 202561
Q2 202564
Q3 202564
Q4 202564
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%7.11%9.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.90%
Q3 20248.88%
Q4 20248.70%
Q1 20258.78%
Q2 20258.94%
Q3 20259.04%
Q4 20259.07%
Q1 20269.22%
Q2 20269.21%
Noncurrent loans
0.10%0.20%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.14%
Q4 20240.22%
Q1 20250.28%
Q2 20250.21%
Q3 20250.20%
Q4 20250.29%
Q1 20260.26%
Q2 20260.27%
Return on assets
0.35%0.61%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.36%
Q4 20240.35%
Q1 20250.45%
Q2 20250.68%
Q3 20250.73%
Q4 20250.75%
Q1 20260.87%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$586.3M9.21%0.27%0.84%74.5%
Q1 202666$582.8M9.22%0.26%0.87%74.3%
Q4 202564$578.8M9.07%0.29%0.75%78.5%
Q3 202564$577.3M9.04%0.20%0.73%76.7%
Q2 202564$568.4M8.94%0.21%0.68%76.4%
Q1 202561$559.3M8.78%0.28%0.45%75.7%
Q4 202460$569.1M8.70%0.22%0.35%77.4%
Q3 202462$570.2M8.88%0.14%0.36%74.2%
Q2 202463$552.7M8.90%0.10%0.36%75.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.21%
15th
Total risk-based capital14.44%
65th
Problem loans0.27%
59th
Net charge-offs-0.01%
87th
Return on assets0.84%
26th
Net interest margin3.35%
22nd
Efficiency ratio69.7%
31st
Loans to deposits74.5%
61st
Uninsured deposits33.2%
21st
Loan-loss reserves1.02%
28th
Texas ratio2.2%
55th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs
First Federal Savings and Loan Association of LorainBank Lorain, OH60 out of 100, Moderate$573.8M10.4%0.41%vs
Buckeye State BankBank Powell, OH60 out of 100, Moderate$569.2M8.2%0.30%vs
Belmont Savings BankBank Bellaire, OH65 out of 100, Moderate$612.9M13.6%1.67%vs
Portage Community BankBank Ravenna, OH74 out of 100, Strong$552.2M10.8%0.27%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs

Deposit insurance

Is my money safe at Kingston National Bank?

Yes. Kingston National Bank is an FDIC-insured institution (FDIC certificate #6616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.2% of deposits ($177.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.21%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.44% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Kingston National Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kingston National Bank reported 142 home-loan applications under HMDA (LEI 254900ICEZWRRYBRW481): 111 originated ($22,325,000 total), 17 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kingston National Bank
Type
National bank
FDIC certificate #
6616
RSSD ID
966722
Primary regulator
OCC
Holding company
Kingston Bancshares Inc
Established
January 1, 1909
Headquarters
2 N Main St, Kingston, OH 45644
Employees
82

Quick answers

Kingston National Bank: common questions

Is Kingston National Bank FDIC insured?

Yes. Kingston National Bank is an FDIC-insured institution (FDIC certificate #6616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kingston National Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kingston National Bank ever failed?

There is no failure record for FDIC certificate #6616 in the FDIC failed bank list.

How many branches does Kingston National Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kingston

InstitutionScoreAssetsCapitalProblem loansCompare
Chivaho Federal Credit UnionCredit union Chillicothe, OH84 out of 100, Strong$37.7M13.9%0.27%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Union Savings BankBank Cincinnati, OH74 out of 100, Strong$4.0B10.5%0.70%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs
Fairfield Federal Savings and Loan Association of LancasterBank Lancaster, OH70 out of 100, Strong$281.5M11.8%0.18%vs