# BANK OF KILMICHAEL
KILMICHAEL, MS · FDIC certificate 9775 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $341.6M | |
| Deposits | $311.6M | |
| Loans and leases | $205.2M | |
| Total equity | $19.4M | |
| Loans / deposits | 64.85% (p18 of band) | 82.04% |
| Liquid assets / assets | 36.63% (p78 of band) | |
| Uninsured deposits / deposits | 30.90% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.38% (p44 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 9.12% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -56.19% (p3 of band) | -8.10% |
| AOCI / equity | 0.55% (p92 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.71% (p38 of band) | 3.91% |
| Efficiency ratio | 65.42% (p62 of band) | |
| Noncurrent loans | 0.96% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 159.09% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 88.80% (p82 of band) | |
| Auto loans | $4.9M (2.38% of loans; DQ 1.02%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 4 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2023-03 | 4 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 3 | capital falling, noncurrent p90 |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 3 | charge-offs p90, construction >100% equity | noncurrent p90 |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 3 | charge-offs p90 |  |
| 2025-09 | 3 | capital falling | construction >100% equity |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | charge-offs p90, capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-08-13 [In the same family for 4 generations, Bank of Kilmichael bucking the trend - djournal.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQQ29jYkV0NWtlX2ZlUUNNNEdjODdBQkZHX0JRVGxzRzljZm5GcnNnS2d4bDdGVWNyamJkdHl2cy1YRzhtX0xGLVVIQ0FENkQwcTM2WElibW1nMjk3YllXV1VCU3ktUDlCZjJkY2RIek9HaVRCNDV3anBVakRYd1JPd1AxS3lKV2hVZF9wSXhXaXlsZ3hfWGFzenMxUVdLNHNpRnFEa1g5X0lHZG1pNGQwWWM2YlNka3I5dDhZTW51SHBsVVA5My1nQlVIcVRpSWg1QWxiWTBxd0tEN0xSZUJqVGtR?oc=5) · djournal.com
- 2023-01-29 [Kent Mortimer, president and CEO of Bank of Kilmichael - The Winona Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxOM3FRbEgyNHF3NG9UbXcwM2hrN2ZWenV1NmdvU2xuVkVIeHh6cTFqTlRvZ0hEaWZnRzdja3VyR24xWGRkZFJCWVdMNTZhRlpCMXo5eTdraEZXdjhaS0IxYndjZmQyQVlvN3hieTk5c0kzUk9EbTBBNWpEeVdaM3NHWA?oc=5) · The Winona Times
- 2022-02-02 [Bank of Edmonson's Michelle Coleman Named To Federal Reserve Bank of St. Louis Council - the edmonson voice](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQV0ZHeE5yRWFHZG0tbHRCM01SQzJJMmp5cEhwQWlZWUg1SnR5NGRKb1VKWTAyTnFoa2MzcXdsWVRLZHFkdU5sWHJwOU9YZXBPVW1qamhpemJpaWdTaUZEX0NfTjBOMU5IbmY0dTJwVGhIb3pjaGpWTjlReVYtd1A4TWFSMGc0eU1WVFFteEZNZFdPNTZrZ3JRaU0zVlhYbllZNWQzenlYSDZpdkZLUUZwRGNJRGFXcHlIMTV5SHpfUVNZdw?oc=5) · the edmonson voice
- 2023-04-13 [Congressman announces UMB earns almost $5 million in federal funds to help community post-pandemic - natchezdemocrat.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkVvcmtiSHFmY2dpdDBPTGFfSEFnMXNleTJ2eF9od0tzSC05V281WGRGMmNndEVrQl92eHhBUGRhQ2h5b1RNdWdFcVpZMXNKcmxsYTRZYmlRcU5FNlZsbFFSSktpQ3lRNXFEbmliRlRXYUQzalE3Zi1TQ0lMbUlJNTNhdlU3ZVlMSkx0d2FBQk1IS2h3OGUtV21KOUtmQ3ZzS21DWkhwQ2RwSmdCUVBydjQyOUM1OFFnRmVxY2JjU0VURXdUSVdSM0JLUFUwNEp3azFUdld3Y0w?oc=5) · natchezdemocrat.com
- 2015-04-04 [On the move: Mississippi Young Bankers - The Clarion-Ledger](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWElDaUt5dlVPQ3VkdTNyZXl2UVhBUWFGRlQzNTAtam0yVFBoVDczR0tPSlRjQUpndl9FYl9wNVBJaG9VU251S09GeXZqZUViemxKMFpoRW82SlpzdUxHcVdYbnRDU1lRNXc0TUpQS1JMZHR2OERvQ3NXWGxvcG1hSk9kMEp2YUJIelVzZjVhaENFeGxJZmhoWWY2SE94S2p5OG80Zw?oc=5) · The Clarion-Ledger
- 2019-08-29 [God’s House of Hope finds home in Kilmichael - The Winona Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWUlTT2ZIbTNhNWFqMVhGaUVLQ3pMVTBMS0tqYXk3MlZhVE01TkJuTmp3d2EwZEpMUWVEV2p1Y20xbTVuSmNTemg1eXE5amlFQ2QwM3BlLURtNVJuX1lJQUhWeXVMNlNkQXpiU1VYVGdGZzRBNXF4RGtIUWJIVzVhXzVGeXB1TGtRU1p6ZFdIV3poaWpidUJ6cGhVNVBFR3pLZ192ZEpYeFAydw?oc=5) · The Winona Times
- 2002-10-25 [G. BURNS Obituary (2002) - Winona, MS - Montgomery Advertiser - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNY3dZWGFFdEdWVkFLMVNkRFBmckxCY1RtNGtHTGZkZEZNSWpaa1M1Rll3emZBWU9yd2d6Ym1OdzJkUXBrOFNCWVFaU1NLTk11R0tPb3ZmeFRmM1pjREEtSC0wMF9mLS05dVNfMjNRTVNpMWxjOXRuSE5EbVlFTmc5cmhHajF3MzFOYnROU0laWkhyTjhuelE?oc=5) · legacy.com
- 2023-06-17 [Delbert Hosemann outpaced all other candidates in May fundraising. See who gave him money - The Clarion-Ledger](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQMFJzN0tmS1Z0eWd5aC12b29jNWNCY3k3UXVyWFJJQno5WFRlVUJyeUd3VGVUaGF6MFpNNEU1emh3MXByZk5ybXBrNFRvSGU2WmZqdlZHN2poQ281emZqNFd0d1ZZNFZUQ2NIUFdZclFkb0F6Q3ZycFJ4Ui1vMGg1b0hMVnZ1R21aTmlab1hTbVRYNUpDeWtETmVxVU5SZFB4WGJOX2h5Zk9TUVhCMHduVnV5VmtOZDFMLS05YXpiRnJRWmxySkZyM2tHWWlUVmZTNmc?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9775 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "9775", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide