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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kingston, OH · FDIC certificate #6616
KINGSTON NATIONAL BANK is an FDIC-insured institution based in Kingston, OH (FDIC certificate #6616). In its Q3 2026 Call Report it reported total assets of $583M, total deposits of $536M and net loans of $417M. Its primary federal regulator is OCC.
Plain-language readout
KINGSTON NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $586M in Q2 2026 and were lowest at $583M in Q1 2026.
Total deposits were highest at $536M in Q3 2026 and lowest at $534M in Q1 2026.
Over the whole period total assets rose 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $583M | $536M | $417M | 0.85% | 11.35% | 3.38% |
| Q2 2026 | $586M | $536M | $399M | 0.84% | 11.14% | 3.35% |
| Q1 2026 | $583M | $534M | $397M | 0.87% | 11.59% | 3.37% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.9M | $10.1M | +$19.8M | +195.6% |
| Federal funds sold | $16.6M | $42.3M | -$25.8M | -60.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $116.0M | $108.3M | +$7.7M | +7.1% |
| Equity securities with readily determinable fair values, not held for trading | $193K | $145K | +$48K | +33.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $399.5M | $397.0M | +$2.5M | +0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.0M | $7.2M | -$153K | -2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $17.1M | $17.7M | -$560K | -3.2% |
| Total assets | $586.3M | $582.8M | +$3.5M | +0.6% |
| Liabilities | ||||
| Total deposits | $536.2M | $534.0M | +$2.1M | +0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $506K | $578K | -$72K | -12.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.6M | $4.6M | -$47K | -1.0% |
| Total liabilities | $541.2M | $539.2M | +$2.0M | +0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $540K | $540K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $45.8M | $45.0M | +$795K | +1.8% |
| Accumulated other comprehensive income | -$9.3M | -$10.0M | +$685K | +6.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.0M | $43.6M | +$1.5M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.0M | +$58K | +5.6% |
| Adjusted nonperforming assets | $1.1M | $1.0M | +$58K | +5.6% |
| Tangible equity plus allowance | $49.2M | $47.6M | +$1.5M | +3.2% |
| Texas ratio (gross) | 2.23% | 2.18% | +0.05 pts | See points |
| Texas ratio (adjusted) | 2.23% | 2.18% | +0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.23% | 2.18% | +0.05 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.37% | 13.01% | +0.36 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.37% | 13.01% | +0.36 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.07% | 1.04% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.44% | 14.05% | +0.38 pts | See points |
| Tier 1 leverage (approximate) | 9.21% | 9.22% | -0.01 pts | See points |
| Construction and land loans to total capital | 15.33% | 12.91% | +2.42 pts | See points |
| Commercial real estate to total capital | 73.97% | 72.71% | +1.27 pts | See points |
| Dividend payout, year to date | 32.33% | 31.41% | +0.92 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.79% | -23.65% | +1.85 pts | See points |
| Liquidity | ||||
| Core deposits | $419.2M | $416.1M | +$3.0M | +0.7% |
| Non-core funding | $117.5M | $118.5M | -$970K | -0.8% |
| Loans to core deposits | 96.28% | 96.38% | -0.10 pts | See points |
| Loans to deposits | 75.27% | 75.10% | +0.17 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.54% | 55.62% | -1.07 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $117.5M | $118.5M | -$970K | -0.8% |
| Earnings | ||||
| Earnings before provision, year to date | $3.1M | $1.6M | +$1.5M | +90.0% |
| Earnings before provision, single quarter | $1.5M | $1.6M | -$162K | -10.0% |
| Provision for credit losses, year to date | $162K | $84K | +$78K | +92.9% |
| Yield and cost | ||||
| Yield on loans and leases | 5.71% | 5.62% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 1.28% | 3.07% | -1.79 pts | See points |
| Total interest income to average assets | 4.80% | 4.81% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.12% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.60% | 1.56% | +0.04 pts | See points |
| Cost of time deposits | 3.11% | 3.00% | +0.10 pts | See points |
| Total interest expense to average assets | 1.68% | 1.63% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $583M | $536M | $417M | 0.85% | 11.35% | 3.38% |
| 2026-06-30 | $586M | $536M | $399M | 0.84% | 11.14% | 3.35% |
| 2026-03-31 | $583M | $534M | $397M | 0.87% | 11.59% | 3.37% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $522.9M | 0.09% | 58 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.