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Bank Of Kilmichael
Kilmichael, MS · FDIC Certificate #9775 · Chartered 09/1
Total assets
$341.64M
Total deposits
$311.57M
Total equity
$19.43M
Net loans
$202.05M
Branches (offices)
6
Net income (YTD)
$1.85M
Rank: #2,283 of 4,213 U.S. banks by assets · #35 of 57 in Mississippi. Assets changed 7.6% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 19.65% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 5.69% |
| Tier 1 leverage ratio | 9.12% |
| Uninsured deposits (share of deposits) | 30.9% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 64.8% |
| Real estate loans (share of loans) | 77.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.16M | 77.8% | |
| Commercial & industrial | $25.27M | 12.5% | |
| Consumer / individual | $11.96M | 5.9% | |
| Construction & development | $17.26M | 8.5% | |
| Agricultural | $6.45M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $256.77M | $245.40M | $2.30M | $8.59M |
| Jun 2023 | $277.46M | $251.72M | $1.88M | $10.95M |
| Jun 2024 | $314.19M | $297.25M | $1.28M | $14.16M |
| Jun 2025 | $317.56M | $294.10M | $1.79M | $15.81M |
| Jun 2026 | $341.64M | $311.57M | $1.85M | $19.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $311.57M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $311.57M.
Similar-sized banks
Milestone Bank ($342.17M) · Cumberland Federal Bank, FSB ($341.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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