BlastPoint's Banking Scorecard
Kingstree Federal Savings and Loan Association
Micro
Specialty: Mortgage
SC
FDIC cert 29486
Designations: ✓ Community bank
Kingstree, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Kingstree Federal Savings and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.68% below tier
- - Net Interest Margin 2.17% below tier
- - Efficiency Ratio 79.36% above tier
- - Delinquency Rate 2.65% above tier
- - Non-Interest-Bearing Deposit Share 22.26% below tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.5M
+2.4% YoY
+0.8% QoQ
|
-$180.0M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$25.1M
-3.2% YoY
-0.3% QoQ
|
-$114.1M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$31.9M
+3.0% YoY
+1.1% QoQ
|
-$151.7M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
-0.59%
-45.4% YoY
-25.3% QoQ
|
-1.68% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.68%
+14.1% YoY
+2.2% QoQ
|
-2.17% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
147.09%
+3.4% YoY
+2.9% QoQ
|
+79.36% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
3.29%
-34.4% YoY
-5.5% QoQ
|
+2.65% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
78.52%
-6.0% YoY
-1.3% QoQ
|
+4.00% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
0.13%
-83.7% YoY
-77.2% QoQ
|
-22.26% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
2.20%
-38.0% YoY
-6.4% QoQ
|
+1.75% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-5.1% YoY
+38.9% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.59%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.68%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
147.09%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.29%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.13%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.20%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.52% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
9
9th pctile
Total Loans
Current: $25.1M · Tier avg: $139.2M
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.29% · Tier avg: 0.64%
5
5th pctile
Total Deposits
Current: $31.9M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $37.5M · Tier avg: $217.5M
3
3th pctile
Return on Assets
Current: -0.59% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.13% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.68% · Tier avg: 3.85%
0
0th pctile
Efficiency Ratio
Current: 147.09% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 147.09% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.68% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.13% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -0.59% · Tier avg: 1.08%
4
4th pctile
Total Assets
Current: $37.5M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $31.9M · Tier avg: $183.7M
6
6th pctile
Delinquency Rate
Current: 3.29% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
9
9th pctile
Total Loans
Current: $25.1M · Tier avg: $139.2M
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.52% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%