Kilmichael, MS · Cert 9775 · Kilmichael Bcorp Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.83% | 0.90% | 0.89% | 0.82% | 0.84% | 0.86% | -4 bps | |
| Return on Equity | 14.96% | 13.64% | 16.91% | 18.15% | 17.49% | 15.85% | 15.26% | 15.43% | -272 bps | |
| Net Interest Margin | 2.92% | 2.97% | 3.21% | 3.30% | 3.31% | 3.29% | 3.39% | 3.40% | +9 bps | |
| Efficiency Ratio | 68.82% | 71.17% | 66.26% | 64.52% | 64.65% | 66.99% | 65.39% | 65.42% | +90 bps | |
| Non-Interest Burden | 1.82% | 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 / Loans | 1.87% | 1.43% | 1.41% | 1.17% | 1.11% | 1.11% | 1.03% | 0.96% | -21 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.42% | 0.17% | 0.79% | 0.53% | 0.43% | -0.05% | 0.00% | -79 bps | |
| Allowance / Loans | 2.06% | 1.66% | 1.61% | 1.26% | 1.33% | 1.39% | 1.48% | 1.53% | +27 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.1x | 1.1x | 1.2x | 1.3x | 1.4x | 1.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.27% | 9.37% | 9.30% | 9.29% | 9.24% | 9.27% | 9.12% | -19 bps | |
| Total Risk-Based Capital | 9.19% | 9.27% | 9.37% | 9.30% | 9.29% | 9.24% | 9.27% | 9.12% | -19 bps | |
| Equity / Assets | 5.12% | 4.90% | 4.93% | 4.98% | 5.43% | 5.61% | 5.42% | 5.69% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.41% | 59.17% | 59.01% | 64.81% | 65.27% | 65.48% | 63.56% | 65.86% | +104 bps | |
| Liquid Assets / Assets | 29.29% | 24.80% | 25.88% | 21.23% | 22.40% | 23.00% | 23.55% | 23.48% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 214% | 215% | n/a | n/a | |