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 | |