Kingstree Federal Savings and Loan Association is a savings bank headquartered in Kingstree, South Carolina, in business for about 100 years. At the end of Q2 2026 it reported $39.3M in total assets and $33.9M in deposits, with 1 office.
Kingstree Federal Savings and Loan Association has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 546 banks with under $100 million in assets. Among 44 banks headquartered in South Carolina, it ranks 44th. Funding & liquidity contributes the most (75/100, 85% loans-to-deposits, 11% uninsured); earnings contributes the least (0/100, -0.61%).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (50 → 44), mostly because the capital cushion component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 47 |
| Q4 2024 | 48 |
| Q1 2025 | 49 |
| Q2 2025 | 50 |
| Q3 2025 | 49 |
| Q4 2025 | 49 |
| Q1 2026 | 51 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.02% |
| Q3 2024 | 14.43% |
| Q4 2024 | 15.61% |
| Q1 2025 | 16.18% |
| Q2 2025 | 16.07% |
| Q3 2025 | 15.71% |
| Q4 2025 | 15.37% |
| Q1 2026 | 14.95% |
| Q2 2026 | 12.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.72% |
| Q3 2024 | 4.63% |
| Q4 2024 | 4.96% |
| Q1 2025 | 3.70% |
| Q2 2025 | 3.32% |
| Q3 2025 | 3.44% |
| Q4 2025 | 3.26% |
| Q1 2026 | 2.83% |
| Q2 2026 | 2.53% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.48% |
| Q3 2024 | -0.39% |
| Q4 2024 | -0.41% |
| Q1 2025 | -0.45% |
| Q2 2025 | -0.38% |
| Q3 2025 | -0.47% |
| Q4 2025 | -0.59% |
| Q1 2026 | -0.55% |
| Q2 2026 | -0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $39.3M | 12.08% | 2.53% | -0.61% | 85.1% |
| Q1 2026 | 51 | $38.1M | 14.95% | 2.83% | -0.55% | 80.9% |
| Q4 2025 | 49 | $37.5M | 15.37% | 3.26% | -0.59% | 78.5% |
| Q3 2025 | 49 | $37.2M | 15.71% | 3.44% | -0.47% | 79.6% |
| Q2 2025 | 50 | $36.8M | 16.07% | 3.32% | -0.38% | 82.0% |
| Q1 2025 | 49 | $36.4M | 16.18% | 3.70% | -0.45% | 83.6% |
| Q4 2024 | 48 | $36.6M | 15.61% | 4.96% | -0.41% | 83.5% |
| Q3 2024 | 47 | $41.3M | 14.43% | 4.63% | -0.39% | 72.7% |
| Q2 2024 | 48 | $41.2M | 16.02% | 4.72% | -0.48% | 72.8% |
546 peers · Under $100 million in assets
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).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home Federal Savings and Loan AssociationBank Bamberg, SC | 77 out of 100, Strong | $40.5M | 14.4% | 0.28% | vs |
| Pee Dee Federal Savings BankBank Marion, SC | 90 out of 100, Very strong | $37.1M | 20.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Kingstree Federal Savings and Loan Association?
Yes. Kingstree Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.8% of deposits ($3.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Kingstree Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Kingstree, SC (1)
Identity & history
Profile
- Legal name
- Kingstree Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29486
- RSSD ID
- 440978
- Primary regulator
- OCC
- Holding company
- Kingstree Bancshares M H C
- Established
- January 1, 1926
- Headquarters
- 101 E Mill St, Kingstree, SC 29556
- Website
- www.kingstreefederal.com
- Employees
- 7
Quick answers
Kingstree Federal Savings and Loan Association: common questions
Is Kingstree Federal Savings and Loan Association FDIC insured?
Yes. Kingstree Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kingstree Federal Savings and Loan Association's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Kingstree Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #29486 in the FDIC failed bank list.
How many branches does Kingstree Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kingstree
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC | 88 out of 100, Very strong | $413.6M | 16.6% | 0.74% | vs |
| Georgetown Kraft Credit UnionCredit union Georgetown, SC | 87 out of 100, Very strong | $191.9M | 18.7% | 0.95% | vs |
| The Bank of ClarendonBank Manning, SC | 84 out of 100, Strong | $438.3M | 11.7% | 0.01% | vs |
| Bank of GreeleyvilleBank Greeleyville, SC | 75 out of 100, Strong | $160.1M | 10.6% | 0.38% | vs |
| The Citizens BankBank Olanta, SC | 74 out of 100, Strong | $1.1B | 9.9% | 0.18% | vs |
| First Palmetto BankBank Camden, SC | 71 out of 100, Strong | $1.1B | 9.4% | 0.15% | vs |