TellerScore

Headquartered in Smithfield, North Carolina, KS Bank, Inc. is a si with $874.5M in total assets and $785.2M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1924.

Based on its Q2 2026 filing, KS Bank, Inc. scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 23rd. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (40/100; 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 91.0% · 27.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.66%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202467
Q1 202569
Q2 202570
Q3 202571
Q4 202571
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.24%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.49%
Q3 20249.18%
Q4 20249.24%
Q1 20259.31%
Q2 20259.22%
Q3 20259.29%
Q4 20259.02%
Q1 20268.60%
Q2 20269.01%
Noncurrent loans
0.01%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.13%
Q4 20240.14%
Q1 20250.12%
Q2 20250.01%
Q3 20250.11%
Q4 20250.05%
Q1 20260.13%
Q2 20260.12%
Return on assets
1.01%1.17%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.01%
Q4 20241.02%
Q1 20251.25%
Q2 20251.29%
Q3 20251.32%
Q4 20251.33%
Q1 20261.28%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$874.5M9.01%0.12%1.33%91.0%
Q1 202668$873.1M8.60%0.13%1.28%85.9%
Q4 202571$821.6M9.02%0.05%1.33%88.6%
Q3 202571$771.7M9.29%0.11%1.32%88.4%
Q2 202570$726.3M9.22%0.01%1.29%88.7%
Q1 202569$721.1M9.31%0.12%1.25%85.3%
Q4 202467$690.0M9.24%0.14%1.02%89.6%
Q3 202468$685.8M9.18%0.13%1.01%83.0%
Q2 202468$668.1M9.49%0.16%1.04%82.7%

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 ratio9.01%
12th
Total risk-based capital0.00%
24th
Problem loans0.12%
72nd
Net charge-offs0.04%
30th
Return on assets1.33%
55th
Net interest margin3.98%
53rd
Efficiency ratio57.3%
65th
Loans to deposits91.0%
24th
Uninsured deposits27.3%
37th
Loan-loss reserves0.76%
10th
Texas ratio1.7%
62nd

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Bank of Oak RidgeBank Oak Ridge, NC63 out of 100, Moderate$658.1M12.5%1.79%vs
BlueHarbor BankBank Mooresville, NC82 out of 100, Strong$628.4M11.8%0.00%vs
Lumbee Guaranty BankBank Pembroke, NC74 out of 100, Strong$583.5M10.7%0.37%vs
Triad Business BankBank Greensboro, NC52 out of 100, Below average$536.0M10.9%1.38%vs
LifeStore BankBank West Jefferson, NC71 out of 100, Strong$491.3M11.9%1.11%vs

Deposit insurance

Is my money safe at KS Bank, Inc.?

Yes. KS Bank, Inc. is an FDIC-insured institution (FDIC certificate #29771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($214.2M) 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 9.01%, 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%).

Check how much of your own balance is covered

13 locations

Branches

KS Bank, Inc. lists 13 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, KS Bank, Inc. reported 139 home-loan applications under HMDA (LEI 254900PW5EE7M05BEZ97): 124 originated ($51,200,000 total), 7 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, 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
KS Bank, Inc.
Former names
Kenly Savings Bank, S.S.B.; Kenly Savings and Loan Association; Kenly Savings Bank, Inc., S.S.B.
Type
SI
FDIC certificate #
29771
RSSD ID
416674
Primary regulator
FDIC
Holding company
Ks Bcorp Inc
Established
January 1, 1924
Headquarters
1031 N Brightleaf Blvd, Smithfield, NC 27577
Employees
112

Quick answers

KS Bank, Inc.: common questions

Is KS Bank, Inc. FDIC insured?

Yes. KS Bank, Inc. is an FDIC-insured institution (FDIC certificate #29771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is KS Bank, Inc.'s TellerScore?

69 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 KS Bank, Inc. ever failed?

There is no failure record for FDIC certificate #29771 in the FDIC failed bank list.

How many branches does KS Bank, Inc. have?

13 offices as of the latest FDIC data.

Nearby

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