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Letter portraitLegal landscapeQuarterYTD

Pike National Bank

McComb, MS · Cert 26379 · PCNB Corp.

National charter · OCC · 5 branches

Q2 2026

$408.8MAssets
$233.6MLoans
$358.0MDeposits
$43.2MEquity
Loan mix
81%RE $162.8M12%C&I $24.9M7%Consumer $14.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $283.8M21%Noninterest $74.2MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.19%Q2 ’255.24%Q2 ’26+5%+6%

Non-interest income vs. expense

3.04%Q2 ’242.98%Q2 ’252.98%Q2 ’26-8%+14%

Executive Summary

  • Earnings: ROA of 1.00%, down 7 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.59% of loans (+10 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.73%, down 10 bps from a year ago.
  • Funding: loans stand at 65.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+20 bps YoY

Efficiency Ratio (YTD, annualized)

66.25%+67 bps YoY

Tier 1 Leverage Ratio

11.73%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.04%1.02%0.95%1.00%-7 bps
Return on Equity10.58%10.05%9.80%8.93%9.43%-115 bps
Net Interest Margin3.27%3.37%3.41%3.33%3.47%+20 bps
Efficiency Ratio65.59%66.66%66.85%69.56%66.25%+67 bps
Non-Interest Burden1.71%1.84%1.89%1.99%1.95%+24 bps
Growth
Asset Growth (YoY)2.69%3.48%2.58%2.14%5.69%+301 bps
Loan Growth (YoY)2.70%6.48%10.58%10.75%26.10%+2,340 bps
Deposit Growth (YoY)1.93%3.42%-1.54%1.65%4.34%+242 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.72%0.55%0.69%0.59%+10 bps
Net Charge-Offs / Loans0.19%0.17%0.14%0.10%0.05%-14 bps
Allowance / Loans1.11%1.07%1.22%1.19%1.20%+9 bps
Allowance Coverage of NPLs2.3x1.5x2.2x1.7x2.0x-0.2x
Capital
Tier 1 Leverage Ratio11.83%12.32%11.93%11.81%11.73%-10 bps
Total Risk-Based Capital21.84%21.85%20.67%20.47%11.73%-1,011 bps
Equity / Assets10.53%11.18%10.85%10.37%10.56%+4 bps
Liquidity & Funding
Loans / Deposits54.01%57.21%60.94%57.12%65.27%+1,126 bps
Liquid Assets / Assets13.63%10.07%8.95%13.36%8.43%-521 bps
CRE / Total Capitaln/a199.06%216%224%n/an/a