Bank of Kilmichael: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 3.22 percentage points in Q2 2026, from 46.85% to 50.07%. It was the largest change from Q1 2026 among the key lines here. Bank of Kilmichael ranks 38th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 65.86% (Q2 2026). Bank of Kilmichael reported 65.86% on loan-to-deposit ratio for Q2 2026, 14.98 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.2M |
| Net loans and leases | $202.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.06% |
| Loan-to-deposit ratio | 65.86% |
| Net loans to equity capital | 10.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.59% |
| Multifamily (5+ residential) | 1.65% |
| Commercial and industrial | 12.31% |
| Consumer | 5.83% |
| Credit cards | 0.00% |
| Farm | 4.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.62% |
| Construction concentration (Tier 1 capital + allowance) | 50.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.45% |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $143.5M | $268.2M | 22.67% | 17.16% | 9.31% |
| Q4 2023 | $147.3M | $267.6M | 24.16% | 17.05% | 9.11% |
| Q1 2024 | $151.9M | $300.5M | 24.49% | 17.36% | 8.79% |
| Q2 2024 | $153.0M | $297.2M | 23.91% | 16.82% | 8.81% |
| Q3 2024 | $158.7M | $291.6M | 23.95% | 16.54% | 8.16% |
| Q4 2024 | $169.4M | $286.2M | 24.37% | 16.10% | 7.51% |
| Q1 2025 | $178.8M | $303.0M | 26.07% | 15.44% | 6.85% |
| Q2 2025 | $190.6M | $294.1M | 24.63% | 14.46% | 6.52% |
| Q3 2025 | $193.8M | $296.9M | 24.35% | 12.96% | 6.27% |
| Q4 2025 | $196.4M | $299.9M | 23.79% | 12.28% | 6.03% |
| Q1 2026 | $200.4M | $315.2M | 23.78% | 12.51% | 5.77% |
| Q2 2026 | $205.2M | $311.6M | 23.59% | 12.31% | 5.83% |
Bank of Kilmichael loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Kilmichael, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Kilmichael profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9775) · FFIEC NIC profile (RSSD 780049)