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Ks Bank, Inc.
Smithfield, NC · FDIC Certificate #29771 · Chartered 01/0
Total assets
$874.46M
Total deposits
$785.15M
Total equity
$73.55M
Net loans
$714.31M
Branches (offices)
12
Net income (YTD)
$5.71M
Rank: #1,166 of 4,213 U.S. banks by assets · #16 of 38 in North Carolina. Assets changed 20.4% and deposits 18.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 16.60% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 8.41% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 95.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $678.47M | 95.0% | |
| Commercial & industrial | $28.63M | 4.0% | |
| Consumer / individual | $938.00K | 0.1% | |
| Construction & development | $159.21M | 22.3% | |
| Agricultural | $175.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $554.45M | $508.33M | $3.34M | $42.49M |
| Jun 2023 | $586.58M | $533.88M | $3.58M | $48.30M |
| Jun 2024 | $668.14M | $609.97M | $3.37M | $53.77M |
| Jun 2025 | $726.27M | $662.49M | $4.60M | $58.76M |
| Jun 2026 | $874.46M | $785.15M | $5.71M | $73.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $785.15M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $785.15M.
Similar-sized banks
Farmers And Merchants Bank ($874.47M) · First Liberty Bank ($873.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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