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FNB Picayune Bank

$100M-$1B Specialty: Commercial MS FDIC cert 16612

Designations: ✓ CDFI-certified

Picayune, MS

7 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits -1.1% year over year ($241.0M on the books).
  • Delinquency rate 1.28%.
  • Return on assets 3.28%.
  • Efficiency ratio 45.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

FNB Picayune Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 24.7% in tier
  • + Profitability Leader: Top 32.5% in tier
  • + Deposit Franchise: Top 36.7% in tier
  • + Efficiency Ratio 18.84% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 38.9% in tier
Get updates when FNB Picayune Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $282.3M
+0.2% YoY +1.1% QoQ
-$104.3M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $180.9M
+7.6% YoY -0.0% QoQ
-$77.4M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $241.0M
-1.1% YoY +1.2% QoQ
-$85.7M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 3.28%
+3.8% YoY +6.4% QoQ
+1.96% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Top 1.4% in tier
Net Interest Margin ? 5.44%
+5.7% YoY +2.3% QoQ
+1.45% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 3.3% in tier
Efficiency Ratio ? 45.64%
+2.3% YoY -4.1% QoQ
-18.84% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
Top 9.7% in tier
Delinquency Rate ? 1.28%
+19.3% YoY +46.1% QoQ
+0.36% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 75.08%
+8.8% YoY -1.3% QoQ
-2.87% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 31.77%
+6.3% YoY +2.8% QoQ
+9.74% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
Top 14.9% in tier
Nonperforming Asset Ratio ? 1.04%
-21.7% YoY +31.6% QoQ
+0.37% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 15.44%
+6.4% YoY -2.3% QoQ
-0.47% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.41%
+3.5% YoY +102.7% QoQ
-0.16% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 13.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 31.8%
+1.9pp YoY
+0.9pp QoQ
 +9.6pp 22.1% 23.1% 22.2% 85%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 6.9%
+1.0pp YoY
+0.8pp QoQ
 -4.7pp 11.6% 12.4% 12.5% 32%
CRE 40.3%
+1.4pp YoY
-1.3pp QoQ
 +0.8pp 39.5% 42.3% 41.4% 54%
1-4 Family 44.4%
-1.1pp YoY
+0.3pp QoQ
 +11.8pp 32.6% 33.1% 31.3% 76%
Consumer 6.3%
-1.3pp YoY
-0.2pp QoQ
 +2.2pp 4.1% 5.6% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 15.4%
+0.9pp YoY
-0.4pp QoQ
 +3.3pp 12.2% 11.9% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 73
+6 (+9.0%) YoY
+2 (+2.8%) QoQ
 +14 58 297 482 73%
Assets per Employee ($) $3.9M
-8.1% YoY
-1.7% QoQ
 -$3.7M $7.5M $6.2M $8.8M 3%
Branch Count 7
0 YoY
0 QoQ
 +2 4 22 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.4pp YoY
+0.4pp QoQ
 +0.3pp 0.3% 0.3% 0.4% 85%
Nonaccrual 0.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.9% 1.0% 62%
Allowance Coverage 0.86x
-23.0% YoY
-32.0% QoQ
 -23.29x 24.15x 4.87x 20.23x 23%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 22.9%
-2.0pp YoY
+1.5pp QoQ
 +10.7pp 12.2% 11.7% 11.6% 94%
Cost of Funds (YTD) 0.8%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 5%
Net Income ($, YTD) $4.6M
+3.6% YoY
— QoQ
 +$2.1M $2.6M $13.8M $40.4M 85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#164 of 661 • Top 24.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.41%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 3.28%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#216 of 661 • Top 32.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.28%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#103 of 278 • Top 36.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 31.77%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.44%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk
#365 of 936 • Bottom 38.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

38
Return on Assets
profitability
Value: 3.28%
Peer Median: 1.32%
#38 of 2643 Top 1.4% in $100M-$1B
88
Net Interest Margin
profitability
Value: 5.44%
Peer Median: 3.99%
#88 of 2643 Top 3.3% in $100M-$1B
258
Efficiency Ratio
profitability
Value: 45.64%
Peer Median: 64.48%
#258 of 2643 Top 9.7% in $100M-$1B
368
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#368 of 2643 Top 13.9% in $100M-$1B
394
Non-Interest-Bearing Deposit Share
funding
Value: 31.77%
Peer Median: 22.03%
#394 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (2 metrics)

2129
Nonperforming Asset Ratio
credit_quality
Value: 1.04%
Peer Median: 0.67%
#2129 of 2643 Bottom 19.5% in $100M-$1B
2037
Delinquency Rate
credit_quality
Value: 1.28%
Peer Median: 0.92%
#2037 of 2633 Bottom 22.7% in $100M-$1B
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