Pike National Bank
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Data as of · sourced from FFIEC call reports. How we update
Pike National Bank is an FDIC-insured commercial bank headquartered in McComb, MS, established in 1985 (FDIC certificate 26379), and it is supervised by the OCC. At Q2 2026 it reported total assets of $408.8M, up 5.7% from Q2 2025, the 30th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26379
- Headquarters
- McComb, MS
- Established
- 1985
- Total assets, Q2 2026
- $408.8M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065303124
- Latest call report
- Q2 2026, FFIEC 051 · Pike National Bank call report
- Holding company
- PCNB CORP.
- Asset rank in state
- 30th of 57 in Mississippi
Pike National Bank, based in Mccomb, Mississippi, reported $409 million in assets at June 30, 2026, up 5.7% from a year earlier. It grew its loan book 26.1% over the year, 4.8 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 26.1% and deposits rose 4.3%. Unrealized losses on its securities total $8.0 million, equal to 17% of Tier 1 capital, against 21% a year earlier. One more trend to watch: net income for the quarter slipped 11% from a year earlier, to $1.1 million.
As of June 30, 2026, Pike National Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.46%. The figures come from its call report filed with the FFIEC.
Pike National Bank ranks as the 30th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $408.8M, loans rose 13.4% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 23.9% of total loans, ahead of 1-4 family residential loans at 20.6%. Its 5 offices in the FDIC Summary of Deposits are in Mccomb, MS, Brookhaven, MS and Tylertown, MS; its Mccomb 3 offices book 61% of its branch deposits. On its Q2 2026 call report, Pike National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 350 Rawls Dr, McComb, MS 39648
- County
- Pike
- Metro Area
- McComb, MS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 30, 1985
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $358.0M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $405.9M
- Average total loans
- $222.5M
- Average interest-bearing deposits
- $282.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 30, 1985
- FDIC Cert
- 26379
- Fed RSSD
- 880332
- Website
- www.pnb-ms.net →
- Parent Holding Company
- PCNB CORP. (RSSD 3447428)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Pike National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Pike National Bank's total assets moved between a low of $358.8M (Q4 2023) and a high of $408.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$408.8M total assets against $386.8M; $365.7M total liabilities against $346.1M.
$230.8M net loans and leases against $183.2M; $358.0M total deposits against $343.1M.
$131.2M securities against $139.2M; $22.1M cash and balances due against $39.5M.
$5.6M total interest income against $5.1M; $1.8M total interest expense against $1.9M.
$3.7M net interest income against $3.2M.
$1.0M total noninterest income against $1.5M; $3.0M total noninterest expense against $3.0M.
$351K provision for credit losses against $124K.
$1.1M net income against $1.2M.
1.04% return on assets against 1.22%; 3.94% net interest margin against 3.52%.
11.73% tier 1 leverage ratio against 11.83%.
Inside the full Pike National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePike National Bank rankings
Its closest position to the top of a national ranking is 1,729 of 3,640, for Texas Ratio; its furthest is 2,403 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q1 2025) to 1.22% (Q2 2025) and its net interest margin ran from 3.41% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 1.04% | 0.59% | 3.46% | 3.94% |
| Q1 2026 | 11.81% | 0.95% | 0.69% | 3.72% | 3.58% |
| Q4 2025 | 11.93% | 0.98% | 0.55% | 2.98% | 3.78% |
| Q3 2025 | 12.32% | 0.99% | 0.72% | 3.58% | 3.67% |
| Q2 2025 | 11.83% | 1.22% | 0.49% | 3.28% | 3.52% |
| Q1 2025 | 11.77% | 0.91% | 0.57% | 3.15% | 3.48% |
| Q4 2024 | 11.95% | 1.05% | 0.59% | 3.32% | 3.53% |
| Q3 2024 | 12.31% | 0.91% | 0.61% | 3.97% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pike National Bank (main office) | Mccomb , MS | 39648 | $219.3M |
| Brookhaven Branch | Brookhaven , MS | 39601 | $69.7M |
| Walthall County Division Branch | Tylertown , MS | 39667 | $68.9M |
| Veterans Boulevard Branch | Mccomb , MS | 39648 | $0 |
| South Broadway Branch | Mccomb , MS | 39648 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 2, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MS, rank 35 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pike National Bank
What are Pike National Bank's total assets?
As of the Q2 2026 filing, Pike National Bank reported total assets of $408.8 million in its FFIEC call report.
Where is Pike National Bank headquartered?
It is headquartered in McComb, MS, United States.
When was Pike National Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Pike National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pike National Bank?
Pike National Bank's primary federal regulator is the OCC.
How many branches does Pike National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pike National Bank's Texas Ratio?
Its Texas Ratio is 3.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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