FNB Picayune Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.25 percentage points lower than in Q1 2026, at 110.22%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $182.9M |
| Net loans and leases | $180.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.81% |
| Loan-to-deposit ratio | 75.91% |
| Net loans to equity capital | 4.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.60% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 6.79% |
| Consumer | 6.25% |
| Credit cards | 0.00% |
| Farm | 1.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.22% |
| Construction concentration (Tier 1 capital + allowance) | 69.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.93% |
| Interest income on loans | $3.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $148.3M | $233.4M | 19.31% | 5.61% | 8.84% |
| Q4 2023 | $151.8M | $232.2M | 18.99% | 5.55% | 8.51% |
| Q1 2024 | $159.4M | $227.1M | 18.71% | 5.67% | 8.02% |
| Q2 2024 | $163.9M | $240.1M | 20.60% | 6.28% | 8.13% |
| Q3 2024 | $168.4M | $245.0M | 18.96% | 7.15% | 7.94% |
| Q4 2024 | $177.2M | $243.6M | 20.20% | 8.27% | 7.60% |
| Q1 2025 | $173.7M | $244.9M | 19.16% | 5.65% | 7.40% |
| Q2 2025 | $170.2M | $243.7M | 18.59% | 5.77% | 7.55% |
| Q3 2025 | $178.9M | $238.6M | 20.69% | 7.13% | 6.94% |
| Q4 2025 | $184.9M | $240.1M | 20.78% | 7.72% | 6.46% |
| Q1 2026 | $183.0M | $238.0M | 20.54% | 5.97% | 6.46% |
| Q2 2026 | $182.9M | $241.0M | 20.60% | 6.79% | 6.25% |
FNB Picayune Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Picayune Bank, freeSource: Call Report Schedule RC-C, 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)