Bank of Kilmichael: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Kilmichael of Kilmichael, MS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.34% | -0.23% | 39th below |
| ROAE | 19.97% | 13.32% | +6.65% | 87th top |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 64.12% | 61.13% | +2.99% | 42nd below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.67% | -0.05% | 51st above |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 3.06% | 3.32% | -0.26% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.94% | +0.02% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.70% | -0.12% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 81st top |
| ACL / NPLs (Coverage) | 159.09% | 1546.62% | -1387.53% | 41st below |
| Texas Ratio | 8.75% | 7.34% | +1.41% | 25th below |
| Provision / NCO | 13866.67% | 1388.60% | +12478.07% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.12% | 12.14% | -3.02% | 14th bottom |
| Equity / Assets | 5.69% | 11.37% | -5.68% | 2nd bottom |
| TCE / Tangible Assets | 5.69% | 11.09% | -5.40% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.86% | 80.67% | -14.81% | 76th top |
| Core Deposit Ratio | 91.27% | 86.85% | +4.42% | 63rd above |
| Wholesale Funding Ratio | 2.38% | 5.04% | -2.66% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.59% | 6.84% | +0.75% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.65% | 7.92% | -0.27% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.94% | 6.29% | -0.35% | 64th above |
See Bank of Kilmichael's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Kilmichael, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Kilmichael profile, how to read a UBPR, or how this data updates.