FNB Picayune Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 21.4% higher than in Q1 2026, at $22.8M. FNB Picayune Bank ranks 28th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 75.91% (Q2 2026). FNB Picayune Bank reported 75.91% on loan-to-deposit ratio for Q2 2026, 4.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.91% |
| Net loans and leases to deposits | 75.08% |
| Loans and leases to core deposits | 83.42% |
| Core deposits to total deposits | 90.99% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 63.53% | 93.89% | $0 | $0 |
| Q4 2023 | 65.37% | 91.84% | $0 | $0 |
| Q1 2024 | 70.17% | 91.41% | $5.0M | $0 |
| Q2 2024 | 68.24% | 88.00% | $0 | $0 |
| Q3 2024 | 68.72% | 84.19% | $0 | $0 |
| Q4 2024 | 72.74% | 84.53% | $0 | $0 |
| Q1 2025 | 70.91% | 85.70% | $0 | $0 |
| Q2 2025 | 69.85% | 88.10% | $0 | $0 |
| Q3 2025 | 74.97% | 89.52% | $0 | $0 |
| Q4 2025 | 76.99% | 90.26% | $0 | $0 |
| Q1 2026 | 76.89% | 90.82% | $0 | $0 |
| Q2 2026 | 75.91% | 90.99% | $0 | $0 |
FNB Picayune Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Picayune Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB Picayune Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16612) · FFIEC NIC profile (RSSD 568939)