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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · North Carolina, the state note

KS Bank Inc

Smithfield, North Carolina · $874M in assets · beside the 9 other North Carolina banks between $300M and $1B

The filing

8.4%
Equity / assets
10th of 10
+21.5%
Loans, year over year
1st of 10, largest first
425.3%
CRE / capital
10th of 10

KS Bank Inc is the second largest of the 10 North Carolina banks between $300M and $1B, with $874M in assets at 30 June 2026. Loans are 91.7% of deposits, 8th of 10 against a median of 80.9%, and equity is 8.4% of assets, the lowest in the cohort. Loans grew +21.5% in the year, the fastest in the cohort, and deposits grew 18.5%; the cohort's median loan growth is +7.0%.

Noncurrent loans are 0.12% of the book, 2nd of 10 against a median of 0.62%; 0.09% is 30 to 89 days past due, and the allowance covers them 6.4 times. Commercial real estate is 47.2% of loans, 9th of 10 against a median of 33.4%, and 425% of capital, above the 300% screen, with construction at 199% against the 100% screen. CRE has grown +86.9% over 36 months, past the guidance's 50% prong.

Return on assets is 1.29%, 3rd of 10 against a median of 1.16%, on an efficiency ratio of 57.3%, 4th of 10. Five years ago it was 1.20%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 20.0% of loans).

Equity as a share of assetsNC banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 11.9% RS Roxboro Savings Bank SSB 17.1% FF First FSB of Lincolnton 16.9% FM Farmers & Merchants Bank 15.0% MF Mechanics & Farmers Bank 14.2% Bo Bank of Oak Ridge 12.5% LB Lifestore Bank 11.4% BB Blueharbor Bank 11.1% TB Triad Business Bank 9.5% LG Lumbee Guaranty Bank 8.9% KB KS Bank Inc 8.4%
Loans, year over yearNC banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +7.0% KB KS Bank Inc +21.5% BB Blueharbor Bank +16.2% RS Roxboro Savings Bank SSB +14.8% LB Lifestore Bank +8.9% LG Lumbee Guaranty Bank +8.1% TB Triad Business Bank +5.9% FM Farmers & Merchants Bank +2.1% FF First FSB of Lincolnton +1.3% MF Mechanics & Farmers Bank -2.3% Bo Bank of Oak Ridge -2.6%

SBA 7(a), FY2008 to FY2026

KS Bank Inc is the 96th largest 7(a) lender into North Carolina of 326, with $14M across 18 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.40B). 4 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in North Carolina, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Johnston, NC$7M5th of 725.0%-3.8 pts
Harnett, NC$3M12th of 533.8%thin
Granville, NC$2M10th of 364.6%quiet FY2021
Wilson, NC$614K22nd of 430.9%quiet FY2021
Wake, NC$552K138th of 1810.0%quiet FY2020
Wayne, NC$150K37th of 470.2%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade3$4M28.8%0.01%820th of 2,589
Health care & social assistance5$3M25.2%0.01%680th of 2,172
Accommodation & food services3$3M24.8%0.00%991st of 2,596
Other services3$948K6.9%0.00%1194th of 2,248
Administrative & waste services1$894K6.5%0.01%840th of 1,763
7(a) lenders into North Carolina, share of approvals since FY2008326 lenders on record; the ten largest and KS Bank Inc
LO Live Oak Banking Company 11.7% $1.40B · 1,090 loans FN First National Bank of Pennsylvan… 5.5% $656M · 942 loans TB Truist Bank 5.4% $645M · 1,934 loans WF Wells Fargo Bank National Associa… 5.0% $600M · 2,368 loans PB Pinnacle Bank 4.2% $508M · 541 loans G Gbank 4.1% $497M · 177 loans UC United Community Bank 2.8% $334M · 426 loans T Townebank 2.6% $309M · 326 loans TH The Huntington National Bank 2.4% $282M · 632 loans FB First Bank 2.2% $263M · 424 loans KB KS Bank, Inc. 0.1% $14M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, KS Bank Inc among them; owner-occupied excluded; bold marks a screen met
KS Bank IncRankCohort median
Total CRE against capital, the 300% screen425%10th of 10170%
Construction against capital, the 100% screen199%10th of 1035%
Construction and land development, share of loans22.1%9th of 106.6%
Non-owner-occupied nonfarm nonresidential, share of loans23.2%6th of 1019.0%
Total CRE, the guidance definition, share of loans47.2%9th of 1033.4%
CRE growth over 36 months, the third prong+86.9%10th of 10+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Farmers & Merchants Bank$999M2.5%47.9%0.79%-0.28%1.9%64.2%15.0%
KS Bank Inc$874M1.3%57.3%0.12%0.04%0.8%91.7%8.4%
Bank of Oak Ridge$658M1.2%62.1%1.79%0.11%1.3%102.4%12.5%
Blueharbor Bank$628M2.2%33.6%0.00%0.00%0.9%97.4%11.1%
Lumbee Guaranty Bank$583M0.8%71.6%0.37%0.00%0.5%49.4%8.9%
Triad Business Bank$536M0.2%88.4%1.38%0.16%0.8%86.1%9.5%
Lifestore Bank$491M1.1%61.0%1.11%-0.02%1.4%75.6%11.4%
First FSB of Lincolnton$486M0.5%77.6%0.46%0.04%1.0%90.7%16.9%
Mechanics & Farmers Bank$476M0.7%76.2%2.39%0.75%1.4%68.7%14.2%
Roxboro Savings Bank SSB$361M1.2%52.3%0.13%0.00%1.2%72.8%17.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
KS Bank IncCohort median
20212026Change20212026Change
Loans$350M$720M+106%$244M$383M+57%
Deposits$453M$785M+73%$359M$484M+35%
NPA / loans0.16%0.12%-0.04 pts0.53%0.62%+0.09 pts
Efficiency58.9%57.3%-1.6 pts67.0%61.6%-5.5 pts
ROA1.20%1.29%+0.09 pts1.05%1.16%+0.11 pts

This read was prepared for KS Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on KS Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NC banks $300M to $1B
Institution www.KSBankinc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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