Total Assets
$37M
Total balance-sheet footings
FDIC Cert #29486 · Kingstree, South Carolina · Est. 1926
Kingstree Federal Savings and Loan Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $37M
- Total assets
- C
- Health grade · Fair
- -0.59%
- Return on assets
- 15.4%
- Tier 1 capital
Data updated July 2026
The verdict
Kingstree Federal Savings and Loan Association earns a PlainBankData health grade of C (56/100), with well-capitalized at 15.37% Tier 1, -0.59% ROA, 147% efficiency ratio.
- #4,201
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 15.37%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 29486 · SC C · 56/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (56/100)
- BOTTOM-DECILE #3998/4307
- PHOTO-FINISH North Side Federal S… · IL
- TIER1-WELL 15.4% Tier 1
- TEXAS-CLEAN 14.8% Texas
- ROA-LOSS -0.59% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside South Carolina: North Side Federal Savings and Loan Association of Chicago, IL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Kingstree Federal Savings and Loan As…
Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.
Call Report read for Kingstree Federal Savings and Loan As… in a high-failure state
Kingstree Federal Savings and Loan Association (FDIC Cert #29486) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,998 of 4,307. Tier 1 capital prints at 15.37%, clearing the 10% well-capitalized line. The Texas Ratio is 14.85%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.59%. Balance-sheet scale is $37M, 4,201st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is North Side Federal Savings and Loan Association of Chicago (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Kingstree Federal Savings and Loan As…
10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus
Kingstree Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Kingstree Federal Savings and Loan Association's current Call Report.
- ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
- CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
- PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.
How Kingstree Federal Savings and Loan Association's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (15.37%) 40/40
Return on Assets (ROA) (-0.59%) 0/25
Texas Ratio (14.85%) 16/20
Efficiency Ratio (147.09%) 0/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$32M
Customer-funded liabilities
Net Loans
$25M
Outstanding loan book
Net Income
$-218K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kingstree Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kingstree Federal Savings and Loan Association's score of 56/100 falls in the highlighted band.
Kingstree Federal Savings and Loan Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
56 7th percentile higher than 7% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Kingstree Federal Savings and Loan Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Kingstree Federal Savings and Loan Association's $37M falls in the highlighted band.
Capital & credit buffers at Kingstree Federal Savings and Loan As…
Tier 1 capital ratio
Well-capitalized 10%
15.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.37%
Texas Ratio
14.85%
Equity Capital
$5M
Profitability metrics: Kingstree Federal Savings and Loan As…
Return on Assets (ROA)
3rd percentile nationally
-0.59%
Return on Equity (ROE)
-4.08%
Efficiency Ratio
147.09%
Income & expense: loss period at Kingstree Federal Savings and Loan As…
$2M
Interest Income
$70K
Non-Interest Income
$934K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kingstree Federal Savings and Loan Association reports a Texas Ratio of 14.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Kingstree Federal Savings and Loan Association
Kingstree Federal Savings and Loan Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-218K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Kingstree Federal Savings and Loan Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in South Carolina by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($37M here), outside South Carolina so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kingstree Federal Savings and Loan Association (FDIC Cert #29486) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Kingstree Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |