McComb, MS · Cert 26379 · PCNB Corp.
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
35
Asset Quality
37
Profitability
41
Liquidity
59
Efficiency
45
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.
McComb, MS · Cert 26379 · PCNB Corp.
National charter · OCC · 5 branches
Q2 2026
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 | 0.95% | 0.97% | 0.90% | 1.07% | 1.04% | 1.02% | 0.95% | 1.00% | -7 bps | |
| Return on Equity | 9.45% | 9.70% | 9.13% | 10.58% | 10.05% | 9.80% | 8.93% | 9.43% | -115 bps | |
| Net Interest Margin | 3.20% | 3.23% | 3.29% | 3.27% | 3.37% | 3.41% | 3.33% | 3.47% | +20 bps | |
| Efficiency Ratio | 71.23% | 71.30% | 68.06% | 65.59% | 66.66% | 66.85% | 69.56% | 66.25% | +67 bps | |
| Non-Interest Burden | 1.93% | 1.95% | 1.90% | 1.71% | 1.84% | 1.89% | 1.99% | 1.95% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 4.02% | 3.25% | 2.69% | 3.48% | 2.58% | 2.14% | 5.69% | +301 bps | |
| Loan Growth (YoY) | 4.98% | 4.50% | 6.43% | 2.70% | 6.48% | 10.58% | 10.75% | 26.10% | +2,340 bps | |
| Deposit Growth (YoY) | -0.54% | 4.32% | 2.74% | 1.93% | 3.42% | -1.54% | 1.65% | 4.34% | +242 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.59% | 0.57% | 0.49% | 0.72% | 0.55% | 0.69% | 0.59% | +10 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.09% | 0.18% | 0.19% | 0.17% | 0.14% | 0.10% | 0.05% | -14 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.10% | 1.11% | 1.07% | 1.22% | 1.19% | 1.20% | +9 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.8x | 1.9x | 2.3x | 1.5x | 2.2x | 1.7x | 2.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.31% | 11.95% | 11.77% | 11.83% | 12.32% | 11.93% | 11.81% | 11.73% | -10 bps | |
| Total Risk-Based Capital | 22.19% | 21.39% | 21.13% | 21.84% | 21.85% | 20.67% | 20.47% | 11.73% | -1,011 bps | |
| Equity / Assets | 11.03% | 9.89% | 9.83% | 10.53% | 11.18% | 10.85% | 10.37% | 10.56% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.57% | 54.26% | 52.42% | 54.01% | 57.21% | 60.94% | 57.12% | 65.27% | +1,126 bps | |
| Liquid Assets / Assets | 11.73% | 14.57% | 15.74% | 13.63% | 10.07% | 8.95% | 13.36% | 8.43% | -521 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 199.06% | 216% | 224% | n/a | n/a | |
McComb, MS · Cert 26379 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PCNB Corp.
National charter · OCC · 5 branches
Q2 2026
Return on Assets
0.97%
Rank 420 of 746
Net Interest Margin
3.47%
Rank 463 of 746
Efficiency Ratio
66.25%
Rank 413 of 746
Equity / Assets
10.56%
Rank 362 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 44% | 420 / 746 | ||
| Return on Equity | 9.23% | 6.74% | 10.51% | 13.63% | Beats 41% | 440 / 746 | ||
| Net Interest Margin | 3.47% | 3.17% | 3.68% | 4.16% | Beats 38% | 463 / 746 | ||
| Efficiency Ratio | 66.25% | 55.74% | 64.58% | 75.47% | Beats 45% | 413 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.42% | 1.07% | Beats 43% | 425 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 31% | 511 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 11.55% | 13.75% | 17.60% | Beats 28% | 537 / 746 | ||
| Total Risk-Based Capital Ratio | 11.73% | 11.71% | 14.33% | 18.43% | Beats 26% | 552 / 746 | ||
| Equity / Assets | 10.56% | 8.90% | 10.51% | 13.06% | Beats 51% | 362 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.27% | 61.31% | 78.27% | 90.78% | 30th pctl | 522 / 746 | ||
| Loans / Assets | 57.15% | 53.60% | 66.97% | 76.08% | 31st pctl | 514 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||