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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

$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