Bank of Kilmichael is a state-chartered bank (fed member) headquartered in Kilmichael, Mississippi, in business for about 122 years. At the end of Q2 2026 it reported $341.6M in total assets and $311.6M in deposits, with 6 offices.
Based on its Q2 2026 filing, Bank of Kilmichael scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 47th. Its strongest component is problem-loan coverage (83/100; 8.7%), and its lowest is capital cushion (41/100; 9.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 53 |
| Q4 2024 | 57 |
| Q1 2025 | 58 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.79% |
| Q3 2024 | 9.19% |
| Q4 2024 | 9.27% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.30% |
| Q3 2025 | 9.29% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.27% |
| Q2 2026 | 9.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.92% |
| Q3 2024 | 1.87% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.03% |
| Q2 2026 | 0.96% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $341.6M | 9.12% | 0.96% | 1.09% | 64.8% |
| Q1 2026 | 62 | $344.3M | 9.27% | 1.03% | 1.07% | 62.6% |
| Q4 2025 | 61 | $328.9M | 9.24% | 1.11% | 1.04% | 64.6% |
| Q3 2025 | 62 | $325.2M | 9.29% | 1.11% | 1.13% | 64.4% |
| Q2 2025 | 61 | $317.6M | 9.30% | 1.17% | 1.14% | 64.0% |
| Q1 2025 | 58 | $321.2M | 9.37% | 1.41% | 1.06% | 58.1% |
| Q4 2024 | 57 | $303.8M | 9.27% | 1.43% | 0.82% | 58.2% |
| Q3 2024 | 53 | $310.3M | 9.19% | 1.87% | 0.90% | 53.3% |
| Q2 2024 | 50 | $314.2M | 8.79% | 1.92% | 0.82% | 50.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |
| Copiah BankBank Hazlehurst, MS | 78 out of 100, Strong | $332.2M | 11.8% | 0.19% | vs |
| Great Southern BankBank Meridian, MS | 66 out of 100, Moderate | $355.1M | 9.5% | 0.67% | vs |
| BankOkolonaBank Okolona, MS | 67 out of 100, Moderate | $359.6M | 10.1% | 1.04% | vs |
| Bank of Yazoo CityBank Yazoo City, MS | 79 out of 100, Strong | $318.2M | 12.0% | 0.01% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Kilmichael?
Yes. Bank of Kilmichael is an FDIC-insured institution (FDIC certificate #9775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.9% of deposits ($96.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.12%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Bank of Kilmichael lists 6 offices in 6 cities. Most locations:
- Ackerman, MS (1)
- Eupora, MS (1)
- Kilmichael, MS (1)
- Mathiston, MS (1)
- Starkville, MS (1)
- Winona, MS (1)
Identity & history
Profile
- Legal name
- Bank of Kilmichael
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9775
- RSSD ID
- 780049
- Primary regulator
- FED
- Holding company
- Kilmichael Bcorp Inc
- Established
- September 16, 1904
- Headquarters
- 120 N Depot Ave, Kilmichael, MS 39747
- Website
- www.bankofkilmichael.com
- Employees
- 52
Quick answers
Bank of Kilmichael: common questions
Is Bank of Kilmichael FDIC insured?
Yes. Bank of Kilmichael is an FDIC-insured institution (FDIC certificate #9775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Kilmichael's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Kilmichael ever failed?
There is no failure record for FDIC certificate #9775 in the FDIC failed bank list.
How many branches does Bank of Kilmichael have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kilmichael
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of WinonaBank Winona, MS | 75 out of 100, Strong | $142.7M | 13.1% | 1.30% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| CB&S Bank, Inc.Bank Russellville, AL | 59 out of 100, Moderate | $3.1B | 10.4% | 1.15% | vs |