FNB Picayune Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB Picayune Bank of Picayune, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.47% | 1.34% | +2.13% | 98th top |
| ROAE | 24.45% | 13.31% | +11.14% | 95th top |
| Net Interest Margin | 5.52% | 3.93% | +1.59% | 97th top |
| Efficiency Ratio | 43.34% | 61.14% | -17.80% | 91st top |
| PPNR / Avg Assets | 3.47% | 1.68% | +1.79% | 98th top |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 0.86% | 1.88% | -1.02% | 94th top |
| Net Interest Spread | 5.01% | 3.32% | +1.69% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 0.94% | -0.25% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.70% | -0.03% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) | 156.72% | 1539.09% | -1382.37% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.96% | 7.33% | -0.37% | 31st below |
| Provision / NCO | -53.40% | 1396.09% | -1449.49% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.44% | 12.14% | +3.30% | 88th top |
| Equity / Assets | 14.18% | 11.37% | +2.81% | 85th top |
| TCE / Tangible Assets | 14.18% | 11.09% | +3.09% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.91% | 80.64% | -4.73% | 60th above |
| Core Deposit Ratio | 90.99% | 86.86% | +4.13% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.17% | 6.85% | -6.68% | 20th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.46% | 7.90% | -0.44% | 63rd above |
| Deposit Growth (Y/Y) | -1.11% | 6.29% | -7.40% | 18th bottom |
See FNB Picayune Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB Picayune Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FNB Picayune Bank profile, how to read a UBPR, or how this data updates.