FNB Picayune Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.17 percentage points higher than in Q1 2026, at 156.72%. On return on assets, FNB Picayune Bank ranks 2nd highest among the 57 banks headquartered in Mississippi, at 3.47% (Q2 2026). FNB Picayune Bank's return on assets of 3.47% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.22 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.44% |
| Equity capital to assets | 14.18% |
| Tangible equity to tangible assets | 14.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.96% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 156.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.47% |
| Return on equity | 24.45% |
| Net interest margin | 5.52% |
| Efficiency ratio | 43.34% |
| Yield on earning assets | 6.27% |
| Cost of funds | 0.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.91% |
| Core deposits to total deposits | 90.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.38% |
| Securities to assets | 25.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.84% | 6.43% | 4.66% | 1.54% | -0.01% |
| Q4 2023 | 15.50% | 2.36% | 4.84% | 1.44% | 0.16% |
| Q1 2024 | 14.92% | 3.03% | 4.77% | 1.19% | -0.00% |
| Q2 2024 | 14.49% | 3.05% | 4.82% | 1.11% | 0.05% |
| Q3 2024 | 14.40% | 3.21% | 4.88% | 0.98% | -0.01% |
| Q4 2024 | 14.65% | 2.91% | 4.94% | 0.91% | 0.05% |
| Q1 2025 | 14.94% | 3.02% | 5.00% | 0.92% | 0.11% |
| Q2 2025 | 14.51% | 3.31% | 5.20% | 0.88% | 0.01% |
| Q3 2025 | 14.96% | 3.62% | 5.46% | 0.76% | 0.08% |
| Q4 2025 | 15.67% | 3.10% | 5.53% | 0.70% | 0.01% |
| Q1 2026 | 15.80% | 3.11% | 5.31% | 0.72% | 0.23% |
| Q2 2026 | 15.44% | 3.47% | 5.52% | 0.69% | 0.00% |
FNB Picayune Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Picayune Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)