FNB PICAYUNE BANK

PICAYUNE, MS | Small | Est. July 31, 1947, midnight | FDIC #16612 | RSSD #568939 | FED
Latest Report: 2025-12-31

FNB PICAYUNE BANK is asn small FDIC-insured commercial bank headquartered in PICAYUNE, MS, established in July 31, 1947, midnight. As of 2025-12-31, the bank reported total assets of $282M and total deposits of $240M. Profitability stands at 3.12% ROA and 22.20% ROE, with a net interest margin of 5.89%. The bank's CET1 capital ratio is 14.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 2.96%. FDIC Certificate #16612.

Assets

$282M

Deposits

$240M

Loans

$185M

Equity

$41M

Profitability

Return on Assets (ROA) 3.12%
Return on Equity (ROE) 22.20%
Net Interest Margin (NIM) 5.89%
Yield on Assets 6.78%
Cost of Funds 0.96%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.96%
NPA Ratio 0.45%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 14.40%
Tier 1 Capital 14.40%
Total Capital Ratio 15.12%
Leverage Ratio 15.67%
Loan-to-Deposit 76.99%

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