FNB Picayune Bank
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Data as of · sourced from FFIEC call reports. How we update
FNB Picayune Bank is an FDIC-insured commercial bank headquartered in Picayune, MS, established in 1947 (FDIC certificate 16612), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $282.3M, up 0.2% from Q2 2025, the 43rd largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16612
- Headquarters
- Picayune, MS
- Established
- 1947
- Total assets, Q2 2026
- $282.3M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 15.44%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 065505870
- Latest call report
- Q2 2026, FFIEC 051 · FNB Picayune Bank call report
- Holding company
- FIRST NATIONAL CORPORATION OF PICAYUNE
- Asset rank in state
- 43rd of 57 in Mississippi
FNB Picayune Bank is one of the more profitable banks of its size. The Picayune, Mississippi bank had $282 million in assets at June 30, 2026. It earns about $3.47 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 7.5% and deposits fell 1.1%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.26% of loans from 1.06% a year earlier.
As of June 30, 2026, FNB Picayune Bank reported a return on assets of 3.47%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 6.96%. The figures come from its call report filed with the FFIEC.
FNB Picayune Bank ranks as the 43rd largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $282.3M, loans fell 0.1% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.9% of total loans, followed by construction and land development loans at 17.4%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in MS; its Picayune 4 offices book 82% of its branch deposits. On its Q2 2026 call report, FNB Picayune Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 E Canal St, Picayune, MS 39466
- County
- Pearl River
- Metro Area
- Picayune, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 31, 1947
- Former names
- First National Bank of Picayune (1976-2021)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $241.0M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $103K
- Average total assets
- $281.8M
- Average total loans
- $181.0M
- Average interest-bearing deposits
- $164.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 31, 1947
- FDIC Cert
- 16612
- Fed RSSD
- 568939
- Website
- http://www.fnbop.com →
- Parent Holding Company
- FIRST NATIONAL CORPORATION OF PICAYUNE (RSSD 1083318)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, FNB Picayune Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, FNB Picayune Bank's total assets ran between $263.7M (Q3 2023) and $282.7M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$282.3M total assets against $281.8M; $242.2M total liabilities against $245.5M.
$180.9M net loans and leases against $168.2M; $241.0M total deposits against $243.7M.
$72.8M securities against $79.8M; $22.8M cash and balances due against $27.0M.
$4.3M total interest income against $4.2M; $518K total interest expense against $617K.
$3.8M net interest income against $3.6M.
$594K total noninterest income against $591K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$2.4M net income against $2.3M.
3.47% return on assets against 3.31%; 5.52% net interest margin against 5.20%.
15.44% tier 1 leverage ratio against 14.51%.
Inside the full FNB Picayune Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNB Picayune Bank rankings
Its closest position to the top of a national ranking is 35 of 3,611, for ROA; its furthest is 2,548 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.91% (Q4 2024) to 3.62% (Q3 2025) and its net interest margin ran from 4.88% (Q3 2024) to 5.53% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.44% | 3.47% | 1.26% | 6.96% | 5.52% |
| Q1 2026 | 15.80% | 3.11% | 0.86% | 5.23% | 5.31% |
| Q4 2025 | 15.67% | 3.10% | 1.30% | 5.63% | 5.53% |
| Q3 2025 | 14.96% | 3.62% | 1.25% | 6.17% | 5.46% |
| Q2 2025 | 14.51% | 3.31% | 1.06% | 9.73% | 5.20% |
| Q1 2025 | 14.94% | 3.02% | 1.37% | 11.66% | 5.00% |
| Q4 2024 | 14.65% | 2.91% | 1.49% | 12.32% | 4.94% |
| Q3 2024 | 14.40% | 3.21% | 1.23% | 11.23% | 4.88% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FNB Picayune Bank (main office) | Picayune , MS | 39466 | $137.2M |
| North Branch | Picayune , MS | 39466 | $41.4M |
| Fnb Poplarville Branch | Poplarville , MS | 39470 | $24.2M |
| Fnb Wiggins Branch | Wiggins , MS | 39577 | $14.9M |
| Picayune-South Branch | Picayune , MS | 39466 | $10.6M |
| West Canal Street Branch | Picayune , MS | 39466 | $9.0M |
| Fnb Kiln Branch | Kiln , MS | 39556 | $3.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC). These actions name the parent holding company, FIRST NATIONAL CORPORATION OF PICAYUNE, not the bank itself
- May 20, 2013, OCC: Civil Money Penalty (CMP): First National Bank of Picayune
- Period: Most recent institution action May 20, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MS, rank 52 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FNB Picayune Bank
What are FNB Picayune Bank's total assets?
As of the Q2 2026 filing, FNB Picayune Bank reported total assets of $282.3 million in its FFIEC call report.
Where is FNB Picayune Bank headquartered?
It is headquartered in Picayune, MS, United States.
When was FNB Picayune Bank founded?
It was established in 1947, per the FDIC institution directory.
Is FNB Picayune Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Picayune Bank?
FNB Picayune Bank's primary federal regulator is the Federal Reserve.
How many branches does FNB Picayune Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Picayune Bank's Texas Ratio?
Its Texas Ratio is 6.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was FNB Picayune Bank previously called?
The charter now named FNB Picayune Bank has also operated as First National Bank of Picayune (1976-2021), per FDIC structure-change records.
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