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Fnb Picayune Bank
Picayune, MS · FDIC Certificate #16612 · Chartered 07/3
Total assets
$282.26M
Total deposits
$240.99M
Total equity
$40.02M
Net loans
$180.94M
Branches (offices)
7
Net income (YTD)
$4.61M
Rank: #2,558 of 4,213 U.S. banks by assets · #43 of 57 in Mississippi. Assets changed 0.2% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.28% |
| Return on equity | 22.92% |
| Net interest margin (YTD) | 5.44% |
| Equity to assets | 14.18% |
| Tier 1 leverage ratio | 15.44% |
| Uninsured deposits (share of deposits) | 17.0% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $156.17M | 86.3% | |
| Commercial & industrial | $12.43M | 6.9% | |
| Consumer / individual | $11.44M | 6.3% | |
| Construction & development | $31.82M | 17.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $287.88M | $260.01M | $2.97M | $27.02M |
| Jun 2023 | $266.70M | $238.14M | $3.64M | $27.75M |
| Jun 2024 | $273.26M | $240.11M | $4.05M | $31.56M |
| Jun 2025 | $281.78M | $243.69M | $4.45M | $36.30M |
| Jun 2026 | $282.26M | $240.99M | $4.61M | $40.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $240.99M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $240.99M.
Similar-sized banks
Hnb First Bank ($282.41M) · Unity Bank Of Mississippi ($281.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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