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KS Bancorp, Inc. is a bank holding company for KS Bank, Inc. (the Bank). The Bank is a community bank focusing on local families and businesses. The Bank offers a range of personal and business banking products and services, mortgage products and wealth management. It offers KS Personal Services, KS Business Services, KS Mortgage Services and KS Wealth Management Services. The Bank's KS Personal Services include a suite of deposit and loan products. It offers KS Mobile Banking, KS Remote Deposit, KS Online Banking, KS Text Banking, Electronic Statements, Personal Deposit Accounts, Overdraft Protection and Personal Loan Products. The Bank's KS Business Services include deposit and loan products, payroll services (through Flex Pay), merchant card services, cash management and remote deposit. The Bank's KS Mortgage Services include mortgage products. Its KS Wealth Management Services include a range of services that allow clients manage, protect and build upon their financial resources.