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
Unfavorable gap of $7.1M · efficiency ratio beats 57% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.60% | 1.01% | 1.45% | Beats 37% | 394 / 629 | | |
| Return on Equity | 14.96% | 5.38% | 9.30% | 13.28% | Beats 83% | 105 / 629 | | |
| Net Interest Margin | 3.40% | 3.03% | 3.54% | 4.05% | Beats 42% | 363 / 629 | | |
| Efficiency Ratio | 65.42% | 58.35% | 67.79% | 79.08% | Beats 57% | 270 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.09% | 0.46% | 1.20% | Beats 31% | 401 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 373 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.12% | 11.24% | 13.84% | 18.77% | Beats 3% | 613 / 629 | | |
| Total Risk-Based Capital Ratio | 9.12% | 11.58% | 14.43% | 19.66% | Beats 3% | 613 / 629 | | |
| Equity / Assets | 5.69% | 9.09% | 10.65% | 13.80% | Beats 1% | 621 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.86% | 67.24% | 80.90% | 93.48% | 24th pctl | 451 / 594 | | |
| Loans / Assets | 60.06% | 53.31% | 67.71% | 78.15% | 34th pctl | 413 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |