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
Unfavorable gap of $5.4M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.56% | 0.72% | 1.06% | 1.45% | Beats 98% | 16 / 746 | | |
| Return on Equity | 18.09% | 6.74% | 10.51% | 13.63% | Beats 93% | 49 / 746 | | |
| Net Interest Margin | 5.20% | 3.17% | 3.68% | 4.16% | Beats 97% | 19 / 746 | | |
| Efficiency Ratio | 45.64% | 55.74% | 64.58% | 75.47% | Beats 92% | 58 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.09% | 0.42% | 1.07% | Beats 21% | 585 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 581 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.44% | 11.55% | 13.75% | 17.60% | Beats 65% | 260 / 746 | | |
| Total Risk-Based Capital Ratio | 15.44% | 11.71% | 14.33% | 18.43% | Beats 59% | 307 / 746 | | |
| Equity / Assets | 14.18% | 8.90% | 10.51% | 13.06% | Beats 82% | 133 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.91% | 61.31% | 78.27% | 90.78% | 46th pctl | 405 / 746 | | |
| Loans / Assets | 64.81% | 53.60% | 66.97% | 76.08% | 45th pctl | 413 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |