KS Bank, Inc.

BankSmithfield, North Carolina
www.KSBankinc.com

Total Assets

$821.6M

Total Deposits

$750.1M

Branches

12

Established

1924

TFS Health Grade

$
C-

70.2 / 100

Average financial health

How we grade

KS Bank, Inc. is a bank headquartered in Smithfield, North Carolina, established in 1924. With $821.6M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C- (70.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.02%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.33%(1%)
Return on Equity (ROE)
16.50%(10%)
Net Interest Margin
4.05%
Efficiency Ratio
58.62%(60%)

Lending & Liquidity

Total Loans
$669.3M
Loan-to-Deposit Ratio
88.55%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+19.07%
Deposit Growth (YoY)
+21.21%
Net Income
$9.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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