Bank of Kilmichael
Kilmichael, MS
IDRSSD: 780049
Total Assets
$328.91M
Latest filing
Total Deposits
$299.94M
Latest filing
Net Interest Margin
3.72%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Kilmichael
120 N Depot Ave
Kilmichael, MS 39747
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/16/1904FDIC Certificate 6259
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Kilmichael (Main) | 120 N Depot Ave | Kilmichael, MS |
| WINONA BRANCH | 509 N Applegate St | Winona, MS |
| MATHISTON BRANCH | 24944 Ms Highway 15 | Mathiston, MS |
| EUPORA BRANCH | 1079 Veterans Memorial Blvd | Eupora, MS |
| ACKERMAN BRANCH | 9060 Mississippi Hwy 15 | Ackerman, MS |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/16/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39747 |
| State and County Number | 28097 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/22/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofkilmichael.com |
| Data Updated | 01/30/2026 |
| CERT | 9775 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $328.91M |
| Total Deposits | $299.94M |
| Total Liabilities | $310.46M |
| Total Equity Capital | $18.46M |
| Net Income | $643.00k |
| Net Loans and Leases | $193.68M |
| Assets Per Employee ($Millions) | $6.45M |
| Bank Premises and Fixed Assets | $6.44M |
| Cash and Balances due from Depository Institutions | $17.47M |
| Deposits Held in Domestic Offices | $299.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 14.24% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 73.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.611% |
| Earning Assets to total Assets | 93.88% |
Income and Expense
| Total Interest Income | $4.55M |
| Total Noninterest Income | $395.00k |
| Total Interest Expense | $1.70M |
| Total Noninterest Expense | $2.39M |
| Net Interest Income | $2.85M |
| Pre-tax Net Operating Income | $645.00k |
| Provision for Credit Losses | $212.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.14M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.38M |
| Total Liabilities and Capital | $328.91M |
Securities
| Securities | $103.33M |
| Available-for-sale debt securities | $39.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $63.88M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Kilmichael?
$328.91M as of the latest filing.
How much are Bank of Kilmichael's total deposits?
$299.94M in total deposits.
Where is Bank of Kilmichael located?
Kilmichael, MS.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
5.
When was it established?
09/16/1904.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$193.68M (latest filing).
What is the total interest income (latest filing)?
$4.55M.