Bank Of Kilmichael (FDIC #9775): Bank Stress & Real-Estate Credit Exposure

Bank Of Kilmichael (FDIC Cert #9775): bank stress 79/100, severe, STABLE over 7 days; parent KILMICHAEL BCORP INC.

Bank Of Kilmichael (#9775) lends in 4 counties across 1 state; Bank Of Kilmichael (#9775) reaches 23 ZIP codes: Mississippi 4 counties, 23 ZIPs.

Bank Of Kilmichael (#9775) largest markets: Webster County, MS (20 branches, 10 ZIPs) (#9775), Choctaw County, MS (9 branches, 9 ZIPs) (#9775), Montgomery County, MS (14 branches, 7 ZIPs) (#9775), Oktibbeha County, MS (6 branches, 6 ZIPs) (#9775).

Bank Of Kilmichael (#9775) reports $341.6 million in total assets; Bank Of Kilmichael (#9775) equity $19.4 million (5.7% of Bank Of Kilmichael (#9775) assets); Bank Of Kilmichael (#9775) domestic deposits $311.6 million; Bank Of Kilmichael (#9775) net income $1.9 million; Bank Of Kilmichael (#9775) return on assets 1.09%; Bank Of Kilmichael (#9775) return on equity 19.65%; Bank Of Kilmichael (#9775) net interest income $5.8 million; Bank Of Kilmichael (#9775) call report June 30, 2026.

Bank Of Kilmichael (#9775) noncurrent real-estate loans: none reported; Bank Of Kilmichael (#9775) residential -0.08%; Bank Of Kilmichael (#9775) net charge-offs on real estate 1.23%; Bank Of Kilmichael (#9775) residential charge-offs 3.78%.

Bank Of Kilmichael (#9775) net interest margin 3.71% against an eight-quarter Bank Of Kilmichael (#9775) average of 3.48% (Bank Of Kilmichael (#9775) compression -0.23 points); Bank Of Kilmichael (#9775) non-residential real estate 378.1% of equity; Bank Of Kilmichael (#9775) rate-exposure score 40/100, Bank Of Kilmichael (#9775) fixed-rate trap 40/100; Bank Of Kilmichael (#9775) risk type credit driven; Bank Of Kilmichael (#9775) rate regime rates elevated, Bank Of Kilmichael (#9775) snapshot October 19, 2026.

Bank Of Kilmichael (#9775) stress score moved from 79 on June 22, 2026 to 79.3 on October 20, 2026; Bank Of Kilmichael (#9775) ranged 79 to 79.3 over 117 snapshots.

Bank Of Kilmichael (#9775) alerts: 4 counties; top Bank Of Kilmichael (#9775) alert scores: Ackerman County, MS 27 (low); Mathiston County, MS 27 (low); Starkville County, MS 27 (low); Winona County, MS 27 (low).