FNB Picayune Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.21 percentage points from Q1 2026 to Q2 2026, ending at 5.52% against 5.31%. It was the largest change among the key lines on this page. Among 57 Mississippi banks, FNB Picayune Bank sits 2nd from the top on net interest margin, 5.52% as of Q2 2026. FNB Picayune Bank reported 5.52% on net interest margin for Q2 2026, 1.57 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 8.02% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.86% |
| Cost of interest-bearing deposits | 1.26% |
| Cost of interest-bearing liabilities | 1.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.52% |
| Yield to cost spread | 5.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $518K |
| Interest expense on deposits | $518K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.13% | 0.52% | 4.66% | 7.36% | 2.13% |
| Q4 2023 | 5.47% | 0.70% | 4.84% | 7.87% | 2.14% |
| Q1 2024 | 5.50% | 0.84% | 4.77% | 7.71% | 2.20% |
| Q2 2024 | 5.69% | 1.01% | 4.82% | 7.86% | 2.23% |
| Q3 2024 | 5.87% | 1.12% | 4.88% | 8.01% | 2.26% |
| Q4 2024 | 6.02% | 1.24% | 4.94% | 8.08% | 2.31% |
| Q1 2025 | 6.03% | 1.15% | 5.00% | 7.94% | 2.40% |
| Q2 2025 | 6.09% | 1.00% | 5.20% | 8.15% | 2.51% |
| Q3 2025 | 6.37% | 1.02% | 5.46% | 8.27% | 2.65% |
| Q4 2025 | 6.36% | 0.96% | 5.53% | 8.15% | 2.69% |
| Q1 2026 | 6.10% | 0.91% | 5.31% | 7.83% | 2.70% |
| Q2 2026 | 6.27% | 0.86% | 5.52% | 8.02% | 2.87% |
FNB Picayune Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Picayune Bank, freeSource: Call Report Schedules RI and RC-K, 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)