Kingston National Bank: how it compares with its peers
Against 41 OH banks with half to twice its assets, Kingston National Bank's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (3.35% vs. 3.81%).
| Measure | Kingston National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.13% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.81% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.74% | 60.94% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.2M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.51% | 80.14% | Context |
What it means for lending operations
Its efficiency ratio of 69.74% is above the 60.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Andover Bank Andover, OH · $595M
- First Federal Savings and Loan Association of Lorain Lorain, OH · $574M
- Buckeye State Bank Powell, OH · $569M
- Belmont Savings Bank Bellaire, OH · $613M
- Portage Community Bank Ravenna, OH · $552M
- Greenville National Bank Greenville, OH · $641M
Questions about Kingston National Bank
How big is Kingston National Bank?
Kingston National Bank, established in 1909, is headquartered in Kingston, OH. It reported $586M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Kingston National Bank's return on assets?
0.84% annualized in Q2 2026, against a 1.13% median for 41 OH banks with half to twice its assets, ahead of 29% of them.
What is Kingston National Bank's efficiency ratio?
69.74% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 60.94%, and lower is better.
Is Kingston National Bank growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits grew 2.5%.
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 OH 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 Ohio bank ranked.