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Bank of Kilmichael

Kilmichael, MS · Cert 9775 · Kilmichael Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

2

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Kilmichael

Kilmichael, MS · Cert 9775 · Kilmichael Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$341.6MAssets
$205.2MLoans
$311.6MDeposits
$19.4MEquity
Loan mix
81%RE $152.1M13%C&I $25.1M6%Consumer $11.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $250.1M20%Noninterest $61.5MQ2 2025Q2 2026

NIM

4.93%Q2 ’245.32%Q2 ’255.31%Q2 ’26+17%+3%

Non-interest income vs. expense

2.32%Q2 ’242.45%Q2 ’252.50%Q2 ’26+7%+6%

Executive Summary

  • Earnings: ROA of 0.86%, down 4 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.96% of loans (-21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.12%, down 19 bps from a year ago.
  • Funding: loans stand at 65.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+9 bps YoY

Efficiency Ratio (YTD, annualized)

65.42%+90 bps YoY

Tier 1 Leverage Ratio

9.12%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.89%0.82%0.84%0.86%-4 bps
Return on Equity18.15%17.49%15.85%15.26%15.43%-272 bps
Net Interest Margin3.30%3.31%3.29%3.39%3.40%+9 bps
Efficiency Ratio64.52%64.65%66.99%65.39%65.42%+90 bps
Non-Interest Burden1.96%1.97%2.05%2.08%2.08%+12 bps
Growth
Asset Growth (YoY)1.07%4.82%8.27%7.18%7.59%+652 bps
Loan Growth (YoY)24.55%22.15%15.97%12.08%7.65%-1,691 bps
Deposit Growth (YoY)-1.06%1.82%4.79%4.05%5.94%+700 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.11%1.11%1.03%0.96%-21 bps
Net Charge-Offs / Loans0.79%0.53%0.43%-0.05%0.00%-79 bps
Allowance / Loans1.26%1.33%1.39%1.48%1.53%+27 bps
Allowance Coverage of NPLs1.1x1.2x1.3x1.4x1.6x+0.5x
Capital
Tier 1 Leverage Ratio9.30%9.29%9.24%9.27%9.12%-19 bps
Total Risk-Based Capital9.30%9.29%9.24%9.27%9.12%-19 bps
Equity / Assets4.98%5.43%5.61%5.42%5.69%+71 bps
Liquidity & Funding
Loans / Deposits64.81%65.27%65.48%63.56%65.86%+104 bps
Liquid Assets / Assets21.23%22.40%23.00%23.55%23.48%+225 bps
CRE / Total Capitaln/a224%214%215%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Bank of Kilmichael

Kilmichael, MS · Cert 9775 · Peer group: banks under $1B in assets (n=573-620) · Kilmichael Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$341.6MAssets
$205.2MLoans
$311.6MDeposits
$19.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets (rank 101 of 620).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets (rank 611 of 620).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.85%

Rank 381 of 620

Net Interest Margin

3.40%

Rank 352 of 620

Efficiency Ratio

65.42%

Rank 262 of 620

Equity / Assets

5.69%

Rank 611 of 620

Non-interest income vs. expense

$1.4M$8.6MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 58% of banks under $1B in assets
Bank 65.42%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.60%1.00%1.45%Beats 39%381 / 620
Return on Equity14.96%5.30%9.30%13.29%Beats 84%101 / 620
Net Interest Margin3.40%3.02%3.53%4.04%Beats 43%352 / 620
Efficiency Ratio65.42%58.35%68.08%79.37%Beats 58%262 / 620
Asset Quality
Nonperforming Loans / Loans0.96%0.09%0.47%1.27%Beats 32%388 / 573
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 35%376 / 573
Capital
Tier 1 Capital Ratio9.12%11.27%13.87%18.78%Beats 3%604 / 620
Total Risk-Based Capital Ratio9.12%11.69%14.57%19.67%Beats 3%604 / 620
Equity / Assets5.69%9.03%10.60%13.73%Beats 1%611 / 620
Liquidity & Funding
Loans / Deposits65.86%65.08%79.69%92.47%26th pctl434 / 585
Loans / Assets60.06%51.85%67.17%77.86%36th pctl396 / 620
Brokered Deposits / Depositsn/aNot reported for this institution