Bank · FDIC insured
KS Bank
A $874.5M bank headquartered in Smithfield, NC, with 13 branches in North Carolina. Best rates: CDs 4.10% and savings 0.20% APY.
KS Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#22 of 32 in Raleigh, NC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About KS Bank
KS Bank is a community bank established in 1924 that focuses its attention on local families and businesses.
The publicly traded institution operates across the Triangle East area and serves communities including Harnett and Sampson counties.
- Headquarters
- 1031 N Brightleaf Blvd, Smithfield, NC 27577
- FDIC certificate
- 29771 ↗
Branches
13 branches in North Carolina
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North Carolina
13 branches
Raleigh area · 8
- KS Bank, Inc.Main office1031 N Brightleaf Blvd, Smithfield, NC 27577Directions
- Clayton Branch11591 Us 70 Business Hwy W, Clayton, NC 27520Directions
- Four Oaks Branch106 West Wellons Street, Four Oaks, NC 27524Directions
- Garner Branch901 Vandora Springs Road, Garner, NC 27529Directions
- Kenly Branch200 N Church St, Kenly, NC 27542Directions
- Selma Branch115 W Anderson St, Selma, NC 27576Directions
- Smithfield Branch1031 N Brightleaf Blvd, Smithfield, NC 27577Directions
- Wendell Branch2850 Wendell Blvd, Wendell, NC 27591Directions
Anderson Creek area · 2
- Dunn Branch206 West Broad Street, Dunn, NC 28334Directions
- Lillington Branch709 W Front St, Lillington, NC 27546Directions
Rocky Mount area · 1
- Bailey Branch6374 Deans St, Bailey, NC 27807Directions
Goldsboro area · 1
- Goldsboro Branch1601 Wayne Memorial Dr, Goldsboro, NC 27534Directions
Wilson area · 1
- Wilson Branch2846 Ward Blvd, Wilson, NC 27893Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.01% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.33% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio9.01%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.33%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of KS Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.