Bank of Kilmichael: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.62 percentage points higher than in Q1 2026, at 159.09%. Within Mississippi, Bank of Kilmichael is 34th of 57 on return on assets, 1.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Kilmichael sits 0.15 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.12% |
| Equity capital to assets | 5.69% |
| Tangible equity to tangible assets | 5.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.75% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 159.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 19.97% |
| Net interest margin | 3.64% |
| Efficiency ratio | 64.12% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.86% |
| Core deposits to total deposits | 91.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.20% |
| Securities to assets | 29.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.42% | 4.06% | 3.15% | 1.96% | 0.03% |
| Q4 2023 | 9.50% | 0.40% | 3.23% | 0.14% | 1.03% |
| Q1 2024 | 8.83% | 0.92% | 2.99% | 0.17% | -0.02% |
| Q2 2024 | 8.79% | 0.71% | 2.94% | 1.92% | 0.46% |
| Q3 2024 | 9.19% | 1.05% | 3.06% | 1.87% | -0.18% |
| Q4 2024 | 9.27% | 0.59% | 3.27% | 1.43% | 1.47% |
| Q1 2025 | 9.37% | 1.06% | 3.35% | 1.41% | 0.18% |
| Q2 2025 | 9.30% | 1.22% | 3.59% | 1.17% | 1.46% |
| Q3 2025 | 9.29% | 1.10% | 3.57% | 1.11% | 0.05% |
| Q4 2025 | 9.24% | 0.78% | 3.60% | 1.07% | 0.14% |
| Q1 2026 | 9.27% | 1.07% | 3.58% | 1.03% | -0.05% |
| Q2 2026 | 9.12% | 1.11% | 3.64% | 0.96% | 0.06% |
Bank of Kilmichael vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Kilmichael, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)