BanksFNB PICAYUNE BANK

FNB PICAYUNE BANK

PICAYUNE, MSSmallEst. July 31, 1947, midnightFDIC #16612RSSD #568939FED
Latest · 2025-12-31

FNB PICAYUNE BANK is an 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%. CET1 capital ratio: 14.40%, well above regulatory minimums. NPL ratio: 0.68% · Texas Ratio: 2.96%. Operates 7 domestic branches.

Assets
$282M
Deposits
$240M
Loans
$185M
Equity
$41M

Profitability

Return on Assets (ROA)3.12%
Return on Equity (ROE)22.20%
Net Interest Margin5.89%
Yield on Assets6.78%
Cost of Funds0.96%

Asset Quality

NPL Ratio0.68%
Net Charge-Off Ratio0.05%
Texas Ratio2.96%
NPA Ratio0.45%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio14.40%
Tier 1 Capital14.40%
Total Capital Ratio15.12%
Leverage Ratio15.67%
Loan-to-Deposit76.99%

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