Bank of Kilmichael: how it compares with its peers
Against 30 MS banks with half to twice its assets, Bank of Kilmichael's strongest measure in Q2 2026 is assets per employee ($6.6M vs. a $5.2M peer median). Its weakest relative measure is net interest margin (3.71% vs. 4.03%).
| Measure | Bank of Kilmichael | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.15% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 4.03% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.42% | 65.12% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $5.2M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.85% | 69.14% | Context |
What it means for lending operations
Its efficiency ratio of 65.42% is better than the 65.12% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Cleveland State Bank Cleveland, MS · $340M
- Copiah Bank Hazlehurst, MS · $332M
- Great Southern Bank Meridian, MS · $355M
- BankOkolona Okolona, MS · $360M
- Bank of Yazoo City Yazoo City, MS · $318M
- First Southern Bank Columbia, MS · $317M
Questions about Bank of Kilmichael
How big is Bank of Kilmichael?
Bank of Kilmichael, established in 1904, is headquartered in Kilmichael, MS. It reported $342M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Bank of Kilmichael's return on assets?
1.09% annualized in Q2 2026, against a 1.15% median for 30 MS banks with half to twice its assets, ahead of 47% of them.
What is Bank of Kilmichael's efficiency ratio?
65.42% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 65.12%, and lower is better.
Is Bank of Kilmichael growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.