BlastPoint's Banking Scorecard

FNB Picayune Bank

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

Designations: ✓ CDFI-certified

Picayune, MS

7 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

FNB Picayune Bank demonstrates 4 strengths

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 24.2% in tier
+ Profitability Leader: Top 37.8% in tier
+ Deposit Franchise: Top 40.1% in tier
+ Efficiency Ratio 17.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$279.2M -1.2% YoY -1.0% QoQ	-$106.8M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$181.0M +5.5% YoY -0.9% QoQ	-$74.7M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$238.0M -2.8% YoY -0.9% QoQ	-$89.9M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	3.08% +3.4% YoY -5.5% QoQ	+1.81%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	Top 1.8% in tier
Net Interest Margin ?	5.32% +6.7% YoY -0.6% QoQ	+1.38%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 4.2% in tier
Efficiency Ratio ?	47.58% +3.7% YoY +4.2% QoQ	-17.71%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	Top 12.0% in tier
Delinquency Rate ?	0.87% -36.8% YoY -33.7% QoQ	-0.01%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	76.05% +8.5% YoY -0.1% QoQ	-0.59%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	30.91% +7.3% YoY +0.6% QoQ	+8.89%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.79% -49.8% YoY -7.8% QoQ	+0.15%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	15.80% +5.7% YoY +0.8% QoQ	-0.03%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.20% +8.5% YoY -78.8% QoQ	-0.08%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 13.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#162 of 666 • Top 24.2% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 3.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#253 of 666 • Top 37.8% in tier

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

Why this signature

Return on Assets: 3.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#110 of 272 • Top 40.1% 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: 30.91%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.32%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.08%

Peer Median: 1.27%

#49 of 2664 Top 1.8% in $100M-$1B

112

Net Interest Margin

profitability

Value: 5.32%

Peer Median: 3.93%

#112 of 2664 Top 4.2% in $100M-$1B

322

Efficiency Ratio

profitability

Value: 47.58%

Peer Median: 65.29%

#322 of 2664 Top 12.0% in $100M-$1B

360

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#360 of 2664 Top 13.5% in $100M-$1B

425

Non-Interest-Bearing Deposit Share

funding

Value: 30.91%

Peer Median: 22.02%

#425 of 2664 Top 15.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available