Bank of Kilmichael
Total assets
$341.6M
▲ +7.6% YoY
Deposits
$311.6M
▲ +5.9% YoY
Loans
$202.1M
▲ +7.4% YoY
Offices
6
KILMICHAEL BCORP INC
ROA (annualized)
1.09%
peers 1.24%
ROE (annualized)
19.65%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Kilmichael | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.8 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 19.6% | 11.9% | +7.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FED
- Holding company
- KILMICHAEL BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 120 N Depot Ave, Kilmichael, MS, 39747
- County
- Montgomery
- Offices
- 6
- FDIC cert #
- 9775
- RSSD ID
- 780049
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.6M | $311.6M | $202.1M | $19.4M | $1.9M | 1.09% | 3.71% | 0.58% |
| Q1 2026 | $344.3M | $315.2M | $197.4M | $18.7M | $901K | 1.07% | 3.65% | 0.60% |
| Q4 2025 | $328.9M | $299.9M | $193.7M | $18.5M | $3.3M | 1.04% | 3.63% | 0.66% |
| Q3 2025 | $325.2M | $296.9M | $191.2M | $17.7M | $2.7M | 1.13% | 3.60% | 0.66% |
| Q2 2025 | $317.6M | $294.1M | $188.2M | $15.8M | $1.8M | 1.14% | 3.57% | 0.70% |
| Q1 2025 | $321.2M | $303.0M | $175.9M | $15.8M | $825K | 1.06% | 3.41% | 0.78% |
| Q4 2024 | $303.8M | $286.2M | $166.5M | $14.9M | $2.5M | 0.82% | 3.17% | 0.80% |
| Q3 2024 | $310.3M | $291.6M | $155.4M | $15.9M | $2.1M | 0.90% | 3.10% | 0.96% |
Loan mix (Q2 2026): real estate $157.2M · commercial $25.3M · consumer $12.0M · securities $99.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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