KS Bank, Inc.: how it compares with its peers
Against 12 NC banks with half to twice its assets, KS Bank, Inc.'s strongest measure in Q2 2026 is return on assets (1.33% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $8.4M).
| Measure | KS Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 0.99% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 3.88% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.33% | 68.98% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $8.4M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.98% | 87.60% | Context |
What it means for lending operations
Its efficiency ratio of 57.33% is better than the 68.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants Bank Granite Quarry, NC · $999M
- Bank of Oak Ridge Oak Ridge, NC · $658M
- BlueHarbor Bank Mooresville, NC · $628M
- Lumbee Guaranty Bank Pembroke, NC · $583M
- Triad Business Bank Greensboro, NC · $536M
- Uwharrie Bank Albemarle, NC · $1.22B
Questions about KS Bank, Inc.
How big is KS Bank, Inc.?
KS Bank, Inc., established in 1924, is headquartered in Smithfield, NC. It reported $874M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is KS Bank, Inc.'s return on assets?
1.33% annualized in Q2 2026, against a 0.99% median for 12 NC banks with half to twice its assets, ahead of 75% of them.
What is KS Bank, Inc.'s efficiency ratio?
57.33% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 68.98%, and lower is better.
Is KS Bank, Inc. growing its loans?
Net loans grew 21.5% over the year to Q2 2026, while deposits grew 18.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.