At a glance
From its website, read 2 Nov 2026Bank of Kilmichael is a bank or thrift based in Kilmichael, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 3 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.bankofkilmichael.com |
|---|---|
| Office (official list) | P.O. Box 187 120 North Depot Street, Kilmichael, MS 39747 |
What their website says about applying
All you need to do is fill out a loan application.
sourceJust come in today and talk with one of our loan officers.
sourceCome in and see one of loan officers when you need a loan for your business or your farm.
sourceCall the Bank of Kilmichael to help you with the financing.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Mar 2014 |
| RSSD ID | 780049 |
| Address | P.O. Box 187 120 North Depot Street, Kilmichael, MS 39747 Directions to the main office (Google Maps) |
| Website | www.bankofkilmichael.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages name products but state no loan amounts, service area, or online loan application; the only online application text is for accounts. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Come in and see one of loan officers when you need a loan for your business or your farm. | source |
| Auto / vehicle loans | — | Whether you are buying a new or used automobile, we can help you. | source |
| Commercial real estate loans | — | If you or your company own commercial real estate, we can provide financing for your business needs using your property as collateral. | source |
| Home mortgages | — | We offer fixed rate loans in-house, or we can provide interim financing while you apply for a fixed rate loan. | source |
| Personal / consumer loans | — | Personal consumer loans are available on a secured or unsecured basis. | source |
| Small-business loans | — | Come in and see one of loan officers when you need a loan for your business or your farm. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.bankofkilmichael.com/
- https://www.bankofkilmichael.com/auto-loans/
- https://www.bankofkilmichael.com/personal-loans/
- https://www.bankofkilmichael.com/business-loans/
- https://www.bankofkilmichael.com/mortgage-loans/
- https://www.bankofkilmichael.com/realestate-loans/
- https://www.bankofkilmichael.com/loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.6 million in 14 awards from the U.S. Treasury's CDFI Fund, 2011–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $47,599 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $149,421 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Bank of Kilmichael (FDIC cert 9775). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $341.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Mississippi (6 offices)
- Choctaw County (1): 9060 Mississippi Hwy 15, Ackerman 39735
- Montgomery County (2): 120 N Depot Ave, Kilmichael 39747 (main office); 509 N Applegate St, Winona 38967
- Oktibbeha County (1): 112 S Lafayette St, Starkville 39759
- Webster County (2): 1079 Veterans Memorial Blvd, Eupora 39744; 24944 Ms Highway 15, Mathiston 39752
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Bank of Kilmichael (RSSD 780049, FDIC cert 9775). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $205.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 7.6% from $190.6 million on 30 Jun 2025 |
| Total assets | $341.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $79 million | 38.5% |
| Commercial real estate, construction and multifamily | $69.1 million | 33.7% |
| Commercial and industrial (business) loans | $25.3 million | 12.3% |
| Farmland and farm production loans | $15.6 million | 7.6% |
| Consumer loans (credit cards, auto, other) | $12 million | 5.8% |
| All other loans and leases | $4.4 million | 2.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $4.9 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 74 loans $3 million | 597 loans $11.5 million |
| $100,001 to $250,000 | 61 loans $7.2 million | 41 loans $3.6 million |
| $250,001 to $1 million | 41 loans $15.1 million | 14 loans $4.4 million |
| All small business loans | 176 loans $25.3 million | 652 loans $19.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 36 loans $1.4 million | 165 loans $2.9 million |
| $100,001 to $250,000 | 24 loans $2.8 million | 21 loans $1.8 million |
| $250,001 to $500,000 | 14 loans $2.8 million | 5 loans $992,000 |
| All small farm loans | 74 loans $7.1 million | 191 loans $5.8 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $341.6 million | Larger than 38% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 60% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $190.6 million → $205.2 million (+8%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 45 → 51. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 38% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 45 → 51 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Kilmichael and Mississippi
- Kilmichael Bancorp, Inc.Bank holding company · Kilmichael, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home mortgages…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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