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 KS Bank, Inc.
KS Bank, Inc.
| RSSD ID 416674 | CERTIFICATE 29771 | ABA NUMBER 253170758 |
| 1031 N Brightleaf Blvd |
Quarter Ended : |
2025-12-31 |
| Smithfield, North Carolina, 27577 |
Updated : |
2026-01-23 |
| www.KSBankinc.com |
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| Institution Profile |
| Year Opened : |
1924 |
Institution Type : |
Stock and Mutual Savings bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
108 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 821,598 |
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Total Interest Income | 43,482 |
| Total Liabilities | 755,782 |
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Total NonInterest Income | 4,463 |
| Total Bank Equity Capital | 65,816 |
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Total Interest Expense | 14,487 |
| Total Deposits | 750,080 |
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Total NonInterest Expense | 19,612 |
| Net Loans & Leases | 664,205 |
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Net Income | 9,910 |
| Loan Loss Allowance | 5,062 |
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Net Charge Offs | 222 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 644,020 |
| Total assets for the leverage ratio | 799,704 |
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Loans secured by real estate: | 614,383 |
| Tier 1 Leverage Ratio | 9.02 |
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Commercial and industrial loans | 19,473 |
| Off Balance Sheet Exposures (%) | 15.67 |
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Loans to individuals - Credit Cards | 406 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 915 |
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:· KS Bank, Inc.
