BANK OF KILMICHAEL

KILMICHAEL, MS | Small | Est. Sept. 16, 1904, midnight | FDIC #9775 | RSSD #780049 | FED
Latest Report: 2025-12-31

BANK OF KILMICHAEL is asn small FDIC-insured commercial bank headquartered in KILMICHAEL, MS, established in Sept. 16, 1904, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $300M. Profitability stands at 0.79% ROA and 14.24% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 5.61%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 9.96%. FDIC Certificate #9775.

Assets

$329M

Deposits

$300M

Loans

$196M

Equity

$18M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 14.24%
Net Interest Margin (NIM) 3.79%
Yield on Assets 6.05%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio 0.43%
Texas Ratio 9.96%
NPA Ratio 0.64%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 5.61%
Tier 1 Capital 5.61%
Total Capital Ratio 5.89%
Leverage Ratio 9.24%
Loan-to-Deposit 65.48%

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