FNB Picayune Bank: how it compares with its peers
Against 28 MS banks with half to twice its assets, FNB Picayune Bank's strongest measure in Q2 2026 is return on assets (3.28% vs. a 1.12% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $5.4M).
| Measure | FNB Picayune Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.28% | 1.12% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.44% | 3.89% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.64% | 65.55% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.4M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.08% | 64.77% | Context |
What it means for lending operations
Its efficiency ratio of 45.64% is better than the 65.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Unity Bank of Mississippi Holly Springs, MS · $282M
- Grand Bank for Savings, FSB Hattiesburg, MS · $280M
- The Commercial Bank De Kalb, MS · $295M
- The Bank of Forest Forest, MS · $296M
- Bank of Brookhaven Brookhaven, MS · $262M
- Bank of Franklin Meadville, MS · $302M
Questions about FNB Picayune Bank
How big is FNB Picayune Bank?
FNB Picayune Bank, established in 1947, is headquartered in Picayune, MS. It reported $282M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is FNB Picayune Bank's return on assets?
3.28% annualized in Q2 2026, against a 1.12% median for 28 MS banks with half to twice its assets, ahead of 96% of them.
What is FNB Picayune Bank's efficiency ratio?
45.64% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 65.55%, and lower is better.
Is FNB Picayune Bank growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits shrank 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.