FDIC Cert #9775 · Kilmichael, Mississippi · Est. 1904

Bank of Kilmichael - FDIC Bank Health Profile

A community-scale look at Bank of Kilmichael's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$329M
Total assets
C
Health grade · Fair
1.04%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Kilmichael earns a PlainBankData health grade of C (62/100), with 9.24% Tier 1 capital, profitable at 1.04% ROA, 67% efficiency ratio.

#2,360
largest of 4,313 FDIC banks by assets
45th
percentile by asset size, nationally
9.24%
Tier 1 ratio - below the 10% well-capitalized line
46th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9775 · MS C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3677/4307
  • PHOTO-FINISH First State Bank · OK
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 10.3% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: First State Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Kilmichael

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Kilmichael · MS · th…62/100Capon Valley Bank · WV · near62/100Ergo Bank · WI · near62/100First State Bank · OK · near62/100Fredonia Valley Bank · KY · …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Kilmichael · July 2026

What Bank of Kilmichael's Call Report plate shows

Bank of Kilmichael (FDIC Cert #9775) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,677 of 4,307. Tier 1 capital prints at 9.24%, missing the 10% well-capitalized line. The Texas Ratio is 10.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $329M, 2,360th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Kilmichael

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Bank of Kilmichael's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Kilmichael remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Bank of Kilmichael's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Bank of Kilmichael's composite health score
Tier 1 Capital Ratio (9.24%) 18/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (10.29%) 16/20
Efficiency Ratio (66.99%) 8/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$329M

Total balance-sheet footings

Total Deposits

$300M

Customer-funded liabilities

Net Loans

$194M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.84% 9.24% 10.64%
Basel III capital ratios - Bank of Kilmichael

Where Bank of Kilmichael ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Kilmichael's score of 62/100 falls in the highlighted band.

Bank of Kilmichael: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Kilmichael 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Kilmichael's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Kilmichael's $329M falls in the highlighted band.

Safety ratios for Bank of Kilmichael

Tier 1 capital ratio
Well-capitalized 10%

9.24% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.24%
Texas Ratio
10.29%
Equity Capital
$18M

What these ratios mean →

Earnings posture at Bank of Kilmichael

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
20.09%
Efficiency Ratio
66.99%

What these mean →

Income & expense at Bank of Kilmichael

$17M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Kilmichael reports a Texas Ratio of 10.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Kilmichael on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($329M here), outside Mississippi so the neighborhood is not state containment.

Cumberland Federal Bank, FSB $329M · WI Bank of England $329M · AR First State Bank $329M · AR First State Bank of Forrest $329M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Kilmichael (FDIC Cert #9775) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Kilmichael Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%