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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=581 to 629). 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

54

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

57

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 2026-10-11

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 $11.6MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $250.1M20%Noninterest $61.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.65%0.83%0.90%0.89%0.82%0.84%0.86%-4 bps
Return on Equity14.96%13.64%16.91%18.15%17.49%15.85%15.26%15.43%-272 bps
Net Interest Margin2.92%2.97%3.21%3.30%3.31%3.29%3.39%3.40%+9 bps
Efficiency Ratio68.82%71.17%66.26%64.52%64.65%66.99%65.39%65.42%+90 bps
Non-Interest Burden1.82%1.95%1.96%1.96%1.97%2.05%2.08%2.08%+12 bps
Growth
Asset Growth (YoY)5.05%2.28%1.17%1.07%4.82%8.27%7.18%7.59%+652 bps
Loan Growth (YoY)10.53%14.97%17.68%24.55%22.15%15.97%12.08%7.65%-1,691 bps
Deposit Growth (YoY)8.74%6.95%0.84%-1.06%1.82%4.79%4.05%5.94%+700 bps
Asset Quality
Nonperforming Loans / Loans1.87%1.43%1.41%1.17%1.11%1.11%1.03%0.96%-21 bps
Net Charge-Offs / Loans0.09%0.42%0.17%0.79%0.53%0.43%-0.05%0.00%-79 bps
Allowance / Loans2.06%1.66%1.61%1.26%1.33%1.39%1.48%1.53%+27 bps
Allowance Coverage of NPLs1.1x1.2x1.1x1.1x1.2x1.3x1.4x1.6x+0.5x
Capital
Tier 1 Leverage Ratio9.19%9.27%9.37%9.30%9.29%9.24%9.27%9.12%-19 bps
Total Risk-Based Capital9.19%9.27%9.37%9.30%9.29%9.24%9.27%9.12%-19 bps
Equity / Assets5.12%4.90%4.93%4.98%5.43%5.61%5.42%5.69%+71 bps
Liquidity & Funding
Loans / Deposits54.41%59.17%59.01%64.81%65.27%65.48%63.56%65.86%+104 bps
Liquid Assets / Assets29.29%24.80%25.88%21.23%22.40%23.00%23.55%23.48%+225 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Bank of Kilmichael

Kilmichael, MS · Cert 9775 · Peer group: banks under $1B in assets (n=581-629) · 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 83% of banks under $1B in assets (rank 105 of 629).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets (rank 621 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.85%

Rank 394 of 629

Net Interest Margin

3.40%

Rank 363 of 629

Efficiency Ratio

65.42%

Rank 270 of 629

Equity / Assets

5.69%

Rank 621 of 629

Non-interest income vs. expense

$1.4M$8.6MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 57% of banks under $1B in assets
Bank 65.42%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.60%1.01%1.45%Beats 37%394 / 629
Return on Equity14.96%5.38%9.30%13.28%Beats 83%105 / 629
Net Interest Margin3.40%3.03%3.54%4.05%Beats 42%363 / 629
Efficiency Ratio65.42%58.35%67.79%79.08%Beats 57%270 / 629
Asset Quality
Nonperforming Loans / Loans0.96%0.09%0.46%1.20%Beats 31%401 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 36%373 / 581
Capital
Tier 1 Capital Ratio9.12%11.24%13.84%18.77%Beats 3%613 / 629
Total Risk-Based Capital Ratio9.12%11.58%14.43%19.66%Beats 3%613 / 629
Equity / Assets5.69%9.09%10.65%13.80%Beats 1%621 / 629
Liquidity & Funding
Loans / Deposits65.86%67.24%80.90%93.48%24th pctl451 / 594
Loans / Assets60.06%53.31%67.71%78.15%34th pctl413 / 629
Brokered Deposits / Depositsn/aNot reported for this institution