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FNB Picayune Bank

Picayune, MS · Cert 16612 · First Natl Corp. of Picayune

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

FNB Picayune Bank

Picayune, MS · Cert 16612 · First Natl Corp. of Picayune

State charter, Fed member · FED · 7 branches

Q2 2026

$282.3MAssets
$182.9MLoans
$241.0MDeposits
$40.0MEquity
Loan mix
87%RE $157.4M6%C&I $10.9M7%Consumer $11.8MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $164.4M32%Noninterest $76.6MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.79%Q2 ’255.94%Q2 ’26+4%+7%

Non-interest income vs. expense

2.48%Q2 ’242.52%Q2 ’252.75%Q2 ’26+5%+11%

Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 0.2% share · #15 of 16 inst. · $0.0B of $8.5B

22.5% Pearl River
5.0% Stone
0.5% Hancock

Executive Summary

  • Earnings: ROA of 2.57%, up 9 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 1.26% of loans (+20 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 15.44%, up 93 bps from a year ago.
  • Funding: loans stand at 75.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.57%+9 bps YoY

Net Interest Margin (YTD, annualized)

5.20%+33 bps YoY

Efficiency Ratio (YTD, annualized)

45.64%+103 bps YoY

Tier 1 Leverage Ratio

15.44%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.48%2.61%2.57%2.42%2.57%+9 bps
Return on Equity19.56%20.15%19.45%16.86%17.99%-157 bps
Net Interest Margin4.87%5.02%5.09%5.12%5.20%+33 bps
Efficiency Ratio44.61%43.24%45.68%47.58%45.64%+103 bps
Non-Interest Burden1.73%1.66%1.81%2.01%1.92%+19 bps
Growth
Asset Growth (YoY)3.12%-1.12%0.52%-1.24%0.17%-295 bps
Loan Growth (YoY)3.88%6.23%4.33%5.38%7.46%+358 bps
Deposit Growth (YoY)1.49%-2.63%-1.43%-2.81%-1.11%-260 bps
Asset Quality
Nonperforming Loans / Loans1.06%1.25%1.30%0.86%1.26%+20 bps
Net Charge-Offs / Loans0.06%0.07%0.05%0.22%0.11%+5 bps
Allowance / Loans1.18%1.16%1.16%1.09%1.08%-10 bps
Allowance Coverage of NPLs1.1x0.9x0.9x1.3x0.9x-0.3x
Capital
Tier 1 Leverage Ratio14.51%14.96%15.67%15.80%15.44%+93 bps
Total Risk-Based Capital14.51%14.96%15.67%15.80%15.44%+93 bps
Equity / Assets12.88%13.66%14.40%14.35%14.18%+130 bps
Liquidity & Funding
Loans / Deposits69.85%74.97%76.99%76.89%75.91%+606 bps
Liquid Assets / Assets11.09%8.24%7.65%7.90%10.33%-76 bps
CRE / Total Capitaln/a167.70%165.17%171.59%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

FNB Picayune Bank

Picayune, MS · Cert 16612 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Natl Corp. of Picayune

State charter, Fed member · FED · 7 branches

Q2 2026

$282.3MAssets
$182.9MLoans
$241.0MDeposits
$40.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets operating in a single state (rank 16 of 746).
  • Widest gap: nonperforming loans / loans trails 79% of banks under $1B in assets operating in a single state (rank 585 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.56%

Rank 16 of 746

Net Interest Margin

5.20%

Rank 19 of 746

Efficiency Ratio

45.64%

Rank 58 of 746

Equity / Assets

14.18%

Rank 133 of 746

Non-interest income vs. expense

$2.3M$7.7MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 45.64%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.56%0.72%1.06%1.45%Beats 98%16 / 746
Return on Equity18.09%6.74%10.51%13.63%Beats 93%49 / 746
Net Interest Margin5.20%3.17%3.68%4.16%Beats 97%19 / 746
Efficiency Ratio45.64%55.74%64.58%75.47%Beats 92%58 / 746
Asset Quality
Nonperforming Loans / Loans1.26%0.09%0.42%1.07%Beats 21%585 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%581 / 743
Capital
Tier 1 Capital Ratio15.44%11.55%13.75%17.60%Beats 65%260 / 746
Total Risk-Based Capital Ratio15.44%11.71%14.33%18.43%Beats 59%307 / 746
Equity / Assets14.18%8.90%10.51%13.06%Beats 82%133 / 746
Liquidity & Funding
Loans / Deposits75.91%61.31%78.27%90.78%46th pctl405 / 746
Loans / Assets64.81%53.60%66.97%76.08%45th pctl413 / 746
Brokered Deposits / Depositsn/aNot reported for this institution