BlastPoint's Banking Scorecard
Bank of Kilmichael
Designations: ✓ CDFI-certified
Kilmichael, MS
5 branches across MS
Bank of Kilmichael faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 45.8% in tier
- - ROA 0.20% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 0.10% above tier average
- - Delinquency Rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.3M
+7.2% YoY
+4.7% QoQ
|
-$41.8M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$197.4M
+12.2% YoY
+1.9% QoQ
|
-$58.3M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$315.2M
+4.1% YoY
+5.1% QoQ
|
-$12.7M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.07%
+1.4% YoY
+3.0% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.65%
+6.9% YoY
+0.4% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
65.39%
-1.3% YoY
-2.4% QoQ
|
+0.10% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
1.05%
-26.8% YoY
-7.0% QoQ
|
+0.16% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
62.62%
+7.9% YoY
-3.0% QoQ
|
-14.02% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.03%
+2.1% YoY
-1.0% QoQ
|
-1.99% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.60%
-23.4% YoY
-9.5% QoQ
|
-0.04% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
9.27%
-1.1% YoY
+0.4% QoQ
|
-6.56% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.1% in tier |
| Non-Interest Income / Assets ? |
0.10%
-15.6% YoY
-78.3% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.