BlastPoint's Banking Scorecard

Pike National Bank

$100M-$1B Specialty: Commercial MS FDIC cert 26379

Designations: ✓ CDFI-certified

Mccomb, MS

5 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 +4.3% year over year ($358.0M on the books).
Delinquency rate 0.60%.
Return on assets 1.00%.
Efficiency ratio 66.25% vs a 64.48% peer average.
Loan-to-deposit ratio 64.49% 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) →

Pike National Bank has 2 strengths but faces 4 concerns

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

+ Non-Interest Income / Assets 0.06% below tier average
+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 32.2% in tier
- ROA 0.32% below tier average
- Net Interest Margin 0.16% below tier average
- Efficiency Ratio 1.77% above tier average

Get updates when Pike National 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 ?	$408.8M +5.7% YoY +0.9% QoQ	+$22.3M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$230.8M +26.0% YoY +13.4% QoQ	-$27.5M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$358.0M +4.3% YoY -0.7% QoQ	+$31.2M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	1.00% -6.3% YoY +5.5% QoQ	-0.32%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	3.83% +6.6% YoY +5.4% QoQ	-0.16%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	66.25% +1.0% YoY -4.8% QoQ	+1.77%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.60% +20.1% YoY -15.2% QoQ	-0.32%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	64.49% +20.7% YoY +14.3% QoQ	-13.47%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	20.71% -1.5% YoY -0.5% QoQ	-1.32%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	0.39% +7.2% YoY -4.8% QoQ	-0.28%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	11.73% -43.7% YoY -39.5% QoQ	-4.18%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.51% -20.5% YoY +95.6% QoQ	-0.06%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 9.3% 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	20.7% -0.3pp YoY -0.1pp QoQ	-1.4pp	22.1%	23.1%	22.2%	48%
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	12.7% +0.5pp YoY +0.4pp QoQ	+1.1pp	11.6%	12.4%	12.5%	67%
CRE	54.7% +6.3pp YoY +3.3pp QoQ	+15.1pp	39.5%	42.3%	41.4%	77%
1-4 Family	20.9% -4.3pp YoY -2.7pp QoQ	-11.8pp	32.6%	33.1%	31.3%	32%
Consumer	6.4% -1.4pp YoY -0.7pp QoQ	+2.3pp	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	11.7% -0.1pp YoY -0.1pp QoQ	-0.4pp	12.2%	11.9%	12.6%	62%
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	79 0 YoY -3 (-3.7%) QoQ	+20	58	297	482	76%
Assets per Employee ($)	$5.2M +5.7% YoY +4.8% QoQ	-$2.3M	$7.5M	$6.2M	$8.8M	17%
Branch Count	5 0 YoY 0 QoQ	0	4	22	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY 0.0pp QoQ	0.0pp	0.3%	0.3%	0.4%	73%
Nonaccrual	0.3% -0.1pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.9%	1.0%	39%
Allowance Coverage	2.04x -10.2% YoY +18.4% QoQ	-22.12x	24.15x	4.87x	20.23x	48%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	9.4% -1.2pp YoY +0.5pp QoQ	-2.8pp	12.2%	11.7%	11.6%	33%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	68%
Net Income ($, YTD)	$2.0M -3.1% YoY — QoQ	-$562K	$2.6M	$13.8M	$40.4M	52%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#405 of 1256 • Bottom 32.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.60%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

247

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#247 of 2643 Top 9.3% in $100M-$1B

605

Loan-to-Deposit Ratio

liquidity

Value: 64.49%

Peer Median: 77.95%

#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available