KS Bank, Inc.
Smithfield, NC
IDRSSD: 416674
Total Assets
$771.68M
Latest filing
Total Deposits
$703.50M
Latest filing
Net Interest Margin
4.17%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
KS Bank, Inc.
1031 N Brightleaf Blvd
Smithfield, NC 27577
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1924FDIC Certificate 42605
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| KS Bank, Inc. (Main) | 1031 N Brightleaf Blvd | Smithfield, NC |
| WILSON BRANCH | 2846 Ward Blvd | Wilson, NC |
| SELMA BRANCH | 115 W Anderson St | Selma, NC |
| GOLDSBORO BRANCH | 1601 Wayne Memorial Dr | Goldsboro, NC |
| KENLY BRANCH | 200 N Church St | Kenly, NC |
| GARNER BRANCH | 901 Vandora Springs Road | Garner, NC |
| CLAYTON BRANCH | 11591 Us 70 Business Hwy W | Clayton, NC |
| SMITHFIELD BRANCH | 1031 N Brightleaf Blvd | Smithfield, NC |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 27577 |
| State and County Number | 37101 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Raleigh-Cary, NC |
Operational Info
| Number of Employees | 103 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.KSBankinc.com |
| Data Updated | 11/14/2025 |
| CERT | 29771 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $771.68M |
| Total Deposits | $703.50M |
| Total Liabilities | $709.08M |
| Total Equity Capital | $62.60M |
| Net Income | $2.62M |
| Net Loans and Leases | $622.11M |
| Assets Per Employee ($Millions) | $7.49M |
| Bank Premises and Fixed Assets | $12.97M |
| Cash and Balances due from Depository Institutions | $29.67M |
| Deposits Held in Domestic Offices | $703.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 17.26% |
| Net Interest Margin | 4.17% |
| Efficiency Ratio | 58.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.113% |
| Earning Assets to total Assets | 95.99% |
Income and Expense
| Total Interest Income | $11.19M |
| Total Noninterest Income | $1.11M |
| Total Interest Expense | $3.70M |
| Total Noninterest Expense | $5.06M |
| Net Interest Income | $7.49M |
| Pre-tax Net Operating Income | $3.31M |
| Provision for Credit Losses | $236.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $500.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.58M |
| Total Liabilities and Capital | $771.68M |
Securities
| Securities | $94.32M |
| Available-for-sale debt securities | $94.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of KS Bank, Inc.?
$771.68M as of the latest filing.
How much are KS Bank, Inc.'s total deposits?
$703.50M in total deposits.
Where is KS Bank, Inc. located?
Smithfield, NC.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1924.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$622.11M (latest filing).
What is the total interest income (latest filing)?
$11.19M.