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
Unfavorable gap of $7.1M · efficiency ratio beats 58% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.60% | 1.00% | 1.45% | Beats 39% | 381 / 620 | |
| Return on Equity | 14.96% | 5.30% | 9.30% | 13.29% | Beats 84% | 101 / 620 | |
| Net Interest Margin | 3.40% | 3.02% | 3.53% | 4.04% | Beats 43% | 352 / 620 | |
| Efficiency Ratio | 65.42% | 58.35% | 68.08% | 79.37% | Beats 58% | 262 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.09% | 0.47% | 1.27% | Beats 32% | 388 / 573 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 376 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 9.12% | 11.27% | 13.87% | 18.78% | Beats 3% | 604 / 620 | |
| Total Risk-Based Capital Ratio | 9.12% | 11.69% | 14.57% | 19.67% | Beats 3% | 604 / 620 | |
| Equity / Assets | 5.69% | 9.03% | 10.60% | 13.73% | Beats 1% | 611 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 65.86% | 65.08% | 79.69% | 92.47% | 26th pctl | 434 / 585 | |
| Loans / Assets | 60.06% | 51.85% | 67.17% | 77.86% | 36th pctl | 396 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |