KS Bancorp, Inc. operates as the bank holding company for KS Bank, Inc. that provides a range of community banking services to consumers and businesses. It offers personal deposit accounts, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; lending activities, including personal loans, such as vehicle, boat and marine, recreational, deposit/investment secured, student, debt consolidation; and credit cards, as well as home equity loans and home equity lines of credit. The company also provides business checking and savings, and payroll card accounts; construction loans, such as builders' speculative and pre-sale and commercial builder loans; commercial loans, including equipment, facilities purchase, debt refinancing, and real estate loans; and seasonal cash needs, inventory and receivables financing lines of credit. In addition, it offers merchant, payroll, cash management, and remote deposit services; and mortgage services, including home purchase, home refinance, home renovation, construction/permanent loans. Further, the company provides wealth management services comprising investment management, financial and retirement planning, trust and estate, and private banking services. Additionally, it provides online, mobile, and telephone banking services for individuals and businesses. The company was incorporated in 1924 and is headquartered in Smithfield, North Carolina.