Bank of Kilmichael
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Data as of · sourced from FFIEC call reports. How we update
Bank of Kilmichael is an FDIC-insured commercial bank headquartered in Kilmichael, MS, established in 1904 (FDIC certificate 9775), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $341.6M, up 7.6% from Q2 2025, the 35th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9775
- Headquarters
- Kilmichael, MS
- Established
- 1904
- Total assets, Q2 2026
- $341.6M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.12%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 084203250
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Kilmichael call report
- Holding company
- KILMICHAEL BANCORP, INC.
- Asset rank in state
- 35th of 57 in Mississippi
Bank of Kilmichael is one of the more profitable banks of its size. It reported $342 million in assets at June 30, 2026, up 7.6% from a year earlier. It returns 20.0% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 9.12% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 35% of Tier 1 capital, down from 46% a year earlier. Its $38 million non-owner-occupied commercial real estate book is improving, with 4.80% past due or on nonaccrual, down from 5.69% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Kilmichael reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 8.75%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Bank of Kilmichael is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $341.6M, loans rose 2.4% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.6%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MS; its Kilmichael office books 44% of its branch deposits. On its Q2 2026 call report, Bank of Kilmichael meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 N Depot Ave, Kilmichael, MS 39747
- County
- Montgomery
- Metro Area
- Grenada, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- September 16, 1904
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $311.6M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $343.6M
- Average total loans
- $203.3M
- Average interest-bearing deposits
- $250.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9775
- Fed RSSD
- 780049
- Website
- www.bankofkilmichael.com →
- Parent Holding Company
- KILMICHAEL BANCORP, INC. (RSSD 3097850)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Kilmichael reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Kilmichael's total assets ranged from $295.4M (Q3 2023) to $344.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$341.6M total assets against $317.6M; $322.2M total liabilities against $301.7M.
$202.1M net loans and leases against $188.2M; $311.6M total deposits against $294.1M.
$99.1M securities against $106.7M; $26.0M cash and balances due against $7.9M.
$4.6M total interest income against $4.4M; $1.7M total interest expense against $1.6M.
$3.0M net interest income against $2.7M.
$371K total noninterest income against $390K; $2.2M total noninterest expense against $2.0M.
$209K provision for credit losses against $198K.
$951K net income against $965K.
1.11% return on assets against 1.22%; 3.64% net interest margin against 3.59%.
9.12% tier 1 leverage ratio against 9.30%.
Inside the full Bank of Kilmichael terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Kilmichael rankings
Its closest position to the top of a national ranking is 748 of 3,640, for Texas Ratio; its furthest is 2,263 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q4 2024) to 1.22% (Q2 2025) and its net interest margin ran from 3.06% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.12% | 1.11% | 0.96% | 8.75% | 3.64% |
| Q1 2026 | 9.27% | 1.07% | 1.03% | 9.56% | 3.58% |
| Q4 2025 | 9.24% | 0.78% | 1.11% | 10.29% | 3.60% |
| Q3 2025 | 9.29% | 1.10% | 1.11% | 10.65% | 3.57% |
| Q2 2025 | 9.30% | 1.22% | 1.17% | 12.28% | 3.59% |
| Q1 2025 | 9.37% | 1.06% | 1.41% | 13.43% | 3.35% |
| Q4 2024 | 9.27% | 0.59% | 1.43% | 13.71% | 3.27% |
| Q3 2024 | 9.19% | 1.05% | 1.87% | 15.54% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Kilmichael (main office) | Kilmichael , MS | 39747 | $137.7M |
| Mathiston Branch | Mathiston , MS | 39752 | $125.9M |
| Ackerman Branch | Ackerman , MS | 39735 | $46.9M |
| Starkville Branch | Starkville , MS | 39759 | $1.1M |
| Winona Branch | Winona , MS | 38967 | $0 |
| Eupora Branch | Eupora , MS | 39744 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MS, rank 41 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $42K approved, $42K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Kilmichael
What are Bank of Kilmichael's total assets?
As of the Q2 2026 filing, Bank of Kilmichael reported total assets of $341.6 million in its FFIEC call report.
Where is Bank of Kilmichael headquartered?
It is headquartered in Kilmichael, MS, United States.
When was Bank of Kilmichael founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of Kilmichael FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Kilmichael?
Bank of Kilmichael's primary federal regulator is the Federal Reserve.
How many branches does Bank of Kilmichael operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Kilmichael's Texas Ratio?
Its Texas Ratio is 8.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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