| 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
| 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 | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41st | |
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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Bank of Kilmichael | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
6 branches in 4 counties across 1 state (+1 vs 2025) · $311.6M branch deposits. Biggest market: Montgomery, MS, ranked 1st with 40.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MS | 2 | $137.7M | 40.50% | 1st |
| Webster, MS | 2 | $125.9M | 48.40% | 1st |
| Choctaw, MS | 1 | $46.9M | 29.55% | 2nd |
| 1 more county with Pro → | ||||
Mississippi: 46th with 0.34% ·
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 6
Technology spend in line with peers (15 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).