# KS BANK INC
SMITHFIELD, NC · FDIC certificate 29771 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $874.5M | |
| Deposits | $785.2M | |
| Loans and leases | $719.8M | |
| Total equity | $73.5M | |
| Loans / deposits | 90.98% (p73 of band) | 82.04% |
| Liquid assets / assets | 15.14% (p17 of band) | |
| Uninsured deposits / deposits | 27.28% (p56 of band) | 25.97% |
| Brokered deposits | 3.25% | |
| Wholesale funding | 4.39% (p55 of band) | |
| FHLB advances / assets | 1.14% | |
| Tier 1 leverage | 9.01% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -11.04% (p40 of band) | -8.10% |
| AOCI / equity | 0.09% (p84 of band) | |
| ROA (annualized) | 1.33% (p53 of band) | 1.28% |
| Net interest margin | 3.98% (p54 of band) | 3.91% |
| Efficiency ratio | 57.33% (p38 of band) | |
| Noncurrent loans | 0.12% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 638.93% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 216.48% (p99 of band) | |
| Auto loans | $418,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9,000 (0% of equity) (p89 of band) | |
| Deposits YoY | 18.5% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | expense ratio p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 2 | expense ratio p90 | wholesale funding >15%, deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | wholesale funding >15%, capital falling, construction >100% equity | expense ratio p90 |
| 2014-12 | 2 |  | capital falling, construction >100% equity |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | capital falling | wholesale funding >15% |
| 2015-09 | 2 | wholesale funding >15% | capital falling |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 3 | construction >100% equity |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | wholesale funding >15% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | brokered >10% |  |
| 2026-03 | 2 | capital falling | brokered >10% |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-12 [KS Trust and Wealth Management rebrands as Kestrel Wealth Management, a division of KS Bank, Inc. - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNa3MxOUZ2UnoxZnAxb3gzc0s3MUdLTXNZWE53bHc3VTk0bkhZeF9JejROVzBOVktvTkRmOXJadjlNMVhXbndPa3Zzd09CRUdQVFhhWUxLVldTVXNuYldQeDEwSGtPZGYyRnFTbWI2bXR0TGxpTTBzemRNcHViNU1kQmxMazJ6RDJ0ektxQ1FnUjN4UmhwZ3pNamVNY1loRVJ2MmJpc19ib3YzblpTMUw0ZEpmVWU2Mk1IUEZLXzhiZDl0SXUtbkN1QlBRUWpxTGNWMnlyaF9vUGEzVE5lSW5yNXVnTC0yNUxz?oc=5) · Greater Fayetteville Business Journal
- 2026-08-21 [Kestrel Wealth Management, a division of KS Bank, Inc. BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNm13WW4zSlJvT1I1Ulc3bzE5Mk1tNEVyRjNoYmlUYmRTa24zOW1wdHlkUXhRbHlHOHVwRXliemVSQXZYZWFuSks5djNxVGR5ZlBMZXE3SWEyMmwtYldqaXZtSVYzbGtFLUZ4RXpCQlkxMXFBMU5lU3NDYXFLZ0FqNWlVSHZMTUd2N2ZDZHhuOGhYNVJudHBCRERiTmlsRDREc21NR3hBcHVRSGIyMWhTMEJ5cklpdw?oc=5) · The Business Journals
- 2025-08-29 [KS Bank Welcomes Travis Bailey As Chief Administrative Officer, Executive VP - JoCo Report](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRVUyUDloaEhZZDVqQ25QY0xjUkhTZmVDZ0Y2aTgwNkNxX2s1RVpkT3JzQXgxbkJLLTVtVU1QU3FYa1hhWGVkWTVuaUh2N3hkM2NWLXRiOG1sTUV4R0FQRTkyelp5dzN1aHBNMC1zZWYxYXBicDZLOVBGdkN2M0V6MFV3TkFXTUlIeUNsQTdjN3F6T0FyeXBKV2lBVmRZTXJJ?oc=5) · JoCo Report
- 2023-05-24 [KS Bancorp, Inc. Announces Executive Leadership Change, Appoints New President and CEO - GlobeNewswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQb1RNcDRFQWhTaW5XemFua250VUU5RnFkTk5vR3lxNE9GMmpJS0dYV0E5c2w2b19ZT3F6WWYtTEMyaEIyVG5nay1zV0Z0OWdpUm05Nzl2VjlzZVE3QmdtNnQ3XzBMQ3U2eUkxNWdzNGFhak16OEI1NktzODFLQTFkVnhXZjEtTVh3NGV6V3lNWFBUOWdnRmxodGE5bk1ZUHVmOUxSVVVMRzllSWZWTTBZNFBPTlY1U0dBVHpjYmd0a3FoYzFSLUtDUU5qZlFqdHI1Z2tjVklYUG5yNjBEUnZEUFlrb3lIVkVPdlJIYkotY0s?oc=5) · GlobeNewswire
- 2024-02-02 [Harnett native appointed to KS Bank board - mydailyrecord.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNWFNXSS1URnBlWXVEa3lqd1RpNUEwYVVrVktMVlQzaEloMzV2M2pLUFRRTHpEVTRmamxHMG5mSE1DQWFYWXJ6WVhvUHB0MGFyNUFMMlRDZ2NyamdLRVRqSlV4YU5tanFoODZyXzRIRFJnSjVYd1c1TDdIeldReTJJdVVNbGFBSkF5QkVHTXZ6dE5JbEVZakllTThwbXR2WWlRQm5XSmdxcTI3NXBpYnp2Y2tVU1JId2lkS0NXdVJOeHlaVHd0?oc=5) · mydailyrecord.com
- 2025-09-10 [KS Bank welcomes Mark Eason as commercial relationship manager, SVP - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQSjJ2TldncHFHSFktc2xIakNaMFF0MDFZWTAwdkhOampjVnFHVWd4bTNiZUxpVkdzUlBDN0g0RWhFaWEwckdYWjdFRjBVU25reTRpV2szMVUxZ1YyOVpERFJLUHNMQ01oeE40S0NmOWZSYlIwQXJvb2VNR3VyYlMtaUlaaTk4dXlwQ3pZYnRrVWNJTUdDZ2xyYXhya2RjSUU0TS1IT0tkNUR4NVQtNkhfMEJKdDBQWWhMUDd6enVJX0FudGhJSzdyaw?oc=5) · Greater Fayetteville Business Journal
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2020-01-15 [Kelli Bynum Named Relationship Manager, VP With KS Bank - JoCo Report](https://news.google.com/rss/articles/CBMihAFBVV95cUxNOVV2clNpRHRoQ1Vsa1ZLbE9RWUYydXlhMnZ0WkdhTDJqSXI1eGpFQzQ3bjk3RnV0Ynd3MC1HMWVEeGJNMks2S3Y3VV84UFFBT2R6di1JRVozOFY1T2E0aEhjTk5kaWJwT3lQVXJ5UkRLNjUtc3FlcS1NSjBacEgtWDlqSFQ?oc=5) · JoCo Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29771 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "29771", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide