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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Smithfield, NC · FDIC certificate #29771
KS BANK INC is an FDIC-insured institution based in Smithfield, NC (FDIC certificate #29771). In its Q3 2026 Call Report it reported total assets of $943M, total deposits of $863M and net loans of $754M. Its primary federal regulator is FDIC.
Reported facts
Deterministic ratios for KS BANK INC from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $863M |
|---|---|
| Net loans and leases | $754M |
Plain-language readout
KS BANK INC in Smithfield, NC funds its loans with $863M of deposits and holds $754M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for KS BANK INC in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 87.33% in Q3 2026, against 85.93% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $754M | $863M | 87.33% |
| Q2 2026 | $714M | $785M | 90.98% |
| Q1 2026 | $687M | $800M | 85.93% |