Pike National Bank
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
$408.8MAssets
$233.6MLoans
$358.0MDeposits
$43.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 51% of banks under $1B in assets operating in a single state (rank 362 of 746).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets operating in a single state (rank 552 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.9M · efficiency ratio beats 45% 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 | 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 |