Bank of Kilmichael: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.24 percentage points between Q1 2026 and Q2 2026, to 3.84%. Bank of Kilmichael ranks 39th of 57 Mississippi banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Kilmichael sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 7.45% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.86% | 1.77% | 3.15% | 6.60% | 3.01% |
| Q4 2023 | 5.03% | 1.90% | 3.23% | 6.80% | 3.03% |
| Q1 2024 | 5.04% | 2.12% | 2.99% | 6.83% | 2.98% |
| Q2 2024 | 5.16% | 2.31% | 2.94% | 7.14% | 2.76% |
| Q3 2024 | 5.33% | 2.35% | 3.06% | 7.33% | 2.86% |
| Q4 2024 | 5.47% | 2.33% | 3.27% | 7.49% | 2.82% |
| Q1 2025 | 5.40% | 2.12% | 3.35% | 7.35% | 2.74% |
| Q2 2025 | 5.67% | 2.19% | 3.59% | 7.59% | 2.82% |
| Q3 2025 | 5.72% | 2.26% | 3.57% | 7.60% | 2.77% |
| Q4 2025 | 5.71% | 2.21% | 3.60% | 7.61% | 2.75% |
| Q1 2026 | 5.56% | 2.07% | 3.58% | 7.37% | 2.76% |
| Q2 2026 | 5.62% | 2.07% | 3.64% | 7.45% | 2.68% |
Bank of Kilmichael yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Kilmichael, freeSource: Call Report Schedules RI and RC-K, 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)