Picayune, MS · Cert 16612 · First Natl Corp. of Picayune
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 0.2% share · #15 of 16 inst. · $0.0B of $8.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 2.40% | 2.35% | 2.48% | 2.61% | 2.57% | 2.42% | 2.57% | +9 bps | |
| Return on Equity | 20.04% | 19.77% | 18.63% | 19.56% | 20.15% | 19.45% | 16.86% | 17.99% | -157 bps | |
| Net Interest Margin | 4.65% | 4.58% | 4.82% | 4.87% | 5.02% | 5.09% | 5.12% | 5.20% | +33 bps | |
| Efficiency Ratio | 44.32% | 45.57% | 45.89% | 44.61% | 43.24% | 45.68% | 47.58% | 45.64% | +103 bps | |
| Non-Interest Burden | 1.60% | 1.61% | 1.80% | 1.73% | 1.66% | 1.81% | 2.01% | 1.92% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.54% | 4.99% | 6.51% | 3.12% | -1.12% | 0.52% | -1.24% | 0.17% | -295 bps | |
| Loan Growth (YoY) | 13.53% | 16.76% | 8.98% | 3.88% | 6.23% | 4.33% | 5.38% | 7.46% | +358 bps | |
| Deposit Growth (YoY) | 4.95% | 4.92% | 7.83% | 1.49% | -2.63% | -1.43% | -2.81% | -1.11% | -260 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.23% | 1.49% | 1.37% | 1.06% | 1.25% | 1.30% | 0.86% | 1.26% | +20 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.11% | 0.06% | 0.07% | 0.05% | 0.22% | 0.11% | +5 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.19% | 1.18% | 1.16% | 1.16% | 1.09% | 1.08% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.9x | 1.1x | 0.9x | 0.9x | 1.3x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.40% | 14.65% | 14.94% | 14.51% | 14.96% | 15.67% | 15.80% | 15.44% | +93 bps | |
| Total Risk-Based Capital | 14.40% | 14.65% | 14.94% | 14.51% | 14.96% | 15.67% | 15.80% | 15.44% | +93 bps | |
| Equity / Assets | 12.14% | 12.49% | 12.72% | 12.88% | 13.66% | 14.40% | 14.35% | 14.18% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.72% | 72.74% | 70.91% | 69.85% | 74.97% | 76.99% | 76.89% | 75.91% | +606 bps | |
| Liquid Assets / Assets | 10.17% | 7.34% | 10.25% | 11.09% | 8.24% | 7.65% | 7.90% | 10.33% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 167.70% | 165.17% | 171.59% | n/a | n/a | |