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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Picayune, MS · FDIC certificate #16612
FNB PICAYUNE BANK is an FDIC-insured institution based in Picayune, MS (FDIC certificate #16612). In its Q3 2026 Call Report it reported total assets of $281M, total deposits of $240M and net loans of $177M. Its primary federal regulator is FED.
Plain-language readout
FNB PICAYUNE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $282M in Q2 2026 and were lowest at $279M in Q1 2026.
Total deposits were highest at $241M in Q2 2026 and lowest at $238M in Q1 2026.
Over the whole period total assets rose 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $281M | $240M | $177M | 3.34% | 23.45% | 5.50% |
| Q2 2026 | $282M | $241M | $181M | 3.28% | 22.92% | 5.44% |
| Q1 2026 | $279M | $238M | $181M | 3.08% | 21.45% | 5.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.8M | $18.8M | +$4.0M | +21.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $72.8M | $73.7M | -$909K | -1.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $180.9M | $181.0M | -$85K | -0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.8M | -$36K | -1.3% |
| Other real estate owned | $617K | $617K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.3M | $2.3M | +$37K | +1.6% |
| Total assets | $282.3M | $279.2M | +$3.0M | +1.1% |
| Liabilities | ||||
| Total deposits | $241.0M | $238.0M | +$3.0M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.3M | $1.1M | +$125K | +11.0% |
| Total liabilities | $242.2M | $239.2M | +$3.1M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $366K | $366K | $0K | 0.0% |
| Surplus | $5.3M | $5.3M | $0K | 0.0% |
| Retained earnings | $37.8M | $38.2M | -$429K | -1.1% |
| Accumulated other comprehensive income | -$3.5M | -$3.9M | +$384K | +9.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.0M | $40.1M | -$45K | -0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.9M | $2.2M | +$727K | +33.1% |
| Adjusted nonperforming assets | $2.9M | $2.2M | +$727K | +33.1% |
| Tangible equity plus allowance | $42.0M | $42.1M | -$60K | -0.1% |
| Texas ratio (gross) | 6.96% | 5.23% | +1.74 pts | See points |
| Texas ratio (adjusted) | 6.96% | 5.23% | +1.74 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 15.44% | 15.80% | -0.36 pts | See points |
| Construction and land loans to total capital | 69.94% | 74.06% | -4.12 pts | See points |
| Commercial real estate to total capital | 105.57% | 111.14% | -5.57 pts | See points |
| Dividend payout, year to date | 113.25% | 108.46% | +4.79 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.67% | -9.74% | +1.07 pts | See points |
| Liquidity | ||||
| Core deposits | $219.3M | $216.2M | +$3.1M | +1.4% |
| Non-core funding | $21.7M | $21.9M | -$138K | -0.6% |
| Loans to core deposits | 83.42% | 84.66% | -1.24 pts | See points |
| Loans to deposits | 75.91% | 76.89% | -0.98 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 42.79% | 42.94% | -0.15 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $21.7M | $21.9M | -$138K | -0.6% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.2M | +$2.4M | +113.2% |
| Earnings before provision, single quarter | $2.4M | $2.2M | +$285K | +13.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 8.02% | 7.82% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 3.30% | 3.07% | +0.23 pts | See points |
| Total interest income to average assets | 6.07% | 5.88% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.28% | 0.24% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.14% | 0.14% | +0.00 pts | See points |
| Cost of time deposits | 2.64% | 2.94% | -0.30 pts | See points |
| Total interest expense to average assets | 0.74% | 0.76% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $281M | $240M | $177M | 3.34% | 23.45% | 5.50% |
| 2026-06-30 | $282M | $241M | $181M | 3.28% | 22.92% | 5.44% |
| 2026-03-31 | $279M | $238M | $181M | 3.08% | 21.45% | 5.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $243.7M | 0.30% | 51 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.