Total Assets
$822M
Total balance-sheet footings
FDIC Cert #29771 · Smithfield, North Carolina · Est. 1924
KS Bank, Inc. - FDIC Bank Health Profile
A community-scale look at KS Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $822M
- Total assets
- B
- Health grade · Good
- 1.33%
- Return on assets
- 9.0%
- Tier 1 capital
Data updated July 2026
The verdict
KS Bank, Inc. earns a PlainBankData health grade of B (70/100), with 9.02% Tier 1 capital, profitable at 1.33% ROA, efficient (59% cost ratio).
- #1,237
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 9.02%
- Tier 1 ratio - below the 10% well-capitalized line
- 65th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How KS Bank, Inc.'s 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
KS Bank, Inc.'s composite health score
Tier 1 Capital Ratio (9.02%) 18/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (0.46%) 20/20
Efficiency Ratio (58.62%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$750M
Customer-funded liabilities
Net Loans
$664M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where KS Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. KS Bank, Inc.'s score of 70/100 falls in the highlighted band.
KS Bank, Inc.'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). KS Bank, Inc.'s $822M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.02% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.02%
Texas Ratio
0.46%
Equity Capital
$66M
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.33%
Return on Equity (ROE)
16.50%
Efficiency Ratio
58.62%
What the numbers say about KS Bank, Inc.
KS Bank, Inc. is an FDIC-insured institution (Certificate #29771) headquartered in Smithfield, North Carolina, established in 1924. It holds $822M in total assets - 1,237th of 4,313 FDIC-insured banks, $750M in customer deposits, and $664M in net loans. Its capital position: a Tier 1 ratio of 9.02%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.46% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
KS Bank, Inc. sits 16th of 38 banks headquartered in North Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$43M
Interest Income
$4M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. KS Bank, Inc. reports a Texas Ratio of 0.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) KS Bank, Inc. (FDIC Cert #29771) - 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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| Live Oak Banking CompanyWilmington | $15.1B | C | 0.82% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
Frequently asked questions
What is KS Bank, Inc.'s health grade?▼
KS Bank, Inc. receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is KS Bank, Inc.?▼
KS Bank, Inc. holds $822M in total assets and $750M in deposits, ranking 1,237th of 4,313 FDIC-insured banks by asset size. It is headquartered in Smithfield, North Carolina.
Is my money safe at KS Bank, Inc.?▼
Yes, deposits at KS Bank, Inc. (Certificate #29771) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is KS Bank, Inc.'s Tier 1 Capital Ratio?▼
KS Bank, Inc. has a Tier 1 Capital Ratio of 9.02%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for KS Bank, Inc.?▼
KS Bank, Inc. has a Texas Ratio of 0.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is KS Bank, Inc.?▼
KS Bank, Inc. has an Efficiency Ratio of 58.62%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read KS Bank, Inc.'s profile as a depositor or analyst.
- KS Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare KS Bank, Inc. against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.