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Overview / Commentary
1031 Brightleaf Boulevard
Smithfield, NC 27577

KS Bank, Inc. is headquartered in Smithfield and is the 36th largest bank in the state of North Carolina. It is also the 2,146th largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 86 employees at 10 locations. KS Bank, Inc. has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 KS Bank, Inc. had $8.88 million in non-current loans and owned real-estate with $35.96 million in equity and loan loss allowances on hand to cover it. This gives KS Bank, Inc. a Texas Ratio of 24.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for KS Bank, Inc. decreased slightly from 33.02% as of March 31, 2013 to 24.70% as of March 31, 2014, resulting in a positive change of 25.21%.This indicates that the balance sheet and financial strength for KS Bank, Inc. has improved slightly in recent periods.

Deposit Growth


In the past year, KS Bank, Inc. has decreased its total deposits by -$7.3 million, resulting in -3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth KS Bank, Inc. has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. KS Bank, Inc. has $305.88 million in assets with $35.96 million in equity, resulting in a capitalization level of 11.76%, which is excellent.

Institution Statistics

FDIC Certificate #29771
Year Established1924
Primary RegulatorFDIC
Assets and Liabilities
Assets$305.88 million
Loans$198.50 million
Deposits$235.84 million
Equity Capital$32.57 million
Loan Loss Allowance$3.39 million
Unbacked Noncurrent Loans$5.69 million
Real Estate Owned$3.19 million
Historic Data - March 2013
Assets$313.36 million
Equity Capital$33.06 million
Loan Loss Allowance$3.42 million
Unbacked Noncurrent Loans$5.69 million
Real Estate Owned$6.26 million
Profit Margin - Quarterly
Net Interest Margin3.51%
Return on Assets0.25%
Return on Equity2.37%
Interest Income$3.07 million

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KS Bank, Inc. Locations
Ks Bank, Inc.1031 Brightleaf BoulevardSmithfield, NC 27577
Smithfield Branch1031 N BrightleafSmithfield, NC 27577
Four Oaks Branch106 West Wellons StreetFour Oaks, NC 27524
Selma Branch115 West Anderson StreetSelma, NC 27576
Clayton Branch11591 U.S. 70 Highway WestClayton, NC 27520
Goldsboro Branch1601 Wayne Memorial DriveGoldsboro, NC 27534
Kenly Branch200 North Church StreetKenly, NC 27542
Wilson Branch2846 Ward BoulevardWilson, NC 27893
Wendell Branch2850 Wendell BoulevardWendell, NC 27591
Garner Branch920 Seventh AvenueGarner, NC 27529