FNB Picayune Bank
Total assets
$282.3M
▲ +0.2% YoY
Deposits
$241.0M
▼ -1.1% YoY
Loans
$180.9M
▲ +7.6% YoY
Offices
7
FIRST NATL CORP OF PICAYUNE
ROA (annualized)
3.28%
peers 1.24%
ROE (annualized)
22.92%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | FNB Picayune Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 3.28% | 1.24% | +2.0 pts |
| ROE | 22.9% | 11.9% | +11.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
Profile
- Established
- 1947
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST NATL CORP OF PICAYUNE
- Specialization
- Commercial Lending Specialization
- Address
- 121 E Canal St, Picayune, MS, 39466
- County
- Pearl River
- Metro area
- Picayune, MS
- Offices
- 7
- FDIC cert #
- 16612
- RSSD ID
- 568939
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.3M | $241.0M | $180.9M | $40.0M | $4.6M | 3.28% | 5.44% | 1.04% |
| Q1 2026 | $279.2M | $238.0M | $181.0M | $40.1M | $2.2M | 3.08% | 5.32% | 0.79% |
| Q4 2025 | $281.9M | $240.1M | $182.7M | $40.6M | $9.2M | 3.26% | 5.35% | 0.85% |
| Q3 2025 | $277.8M | $238.6M | $176.8M | $37.9M | $7.0M | 3.32% | 5.25% | 0.89% |
| Q2 2025 | $281.8M | $243.7M | $168.2M | $36.3M | $4.4M | 3.16% | 5.15% | 1.32% |
| Q1 2025 | $282.7M | $244.9M | $171.6M | $36.0M | $2.1M | 2.98% | 4.98% | 1.57% |
| Q4 2024 | $280.5M | $243.6M | $175.1M | $35.0M | $8.3M | 3.04% | 4.97% | 1.63% |
| Q3 2024 | $280.9M | $245.0M | $166.3M | $34.1M | $6.3M | 3.07% | 4.91% | 1.44% |
Loan mix (Q2 2026): real estate $156.2M · commercial $12.4M · consumer $11.4M · securities $72.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | FNB Picayune Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.28% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.9% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.96% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 62.9% | 9th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | FNB Picayune Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | FNB Picayune Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | FNB Picayune Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | FNB Picayune Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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