BlastPoint's Banking Scorecard
FNB Picayune Bank
Micro
Specialty: Commercial
MS
FDIC cert 16612
Designations: ✓ Community bank
Picayune, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
FNB Picayune Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.18% above tier
- + Net Interest Margin 1.49% above tier
- + Efficiency Ratio 22.05% below tier
- + Non-Interest Income / Assets 0.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$281.9M
+0.5% YoY
+1.5% QoQ
|
+$64.4M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$182.7M
+4.4% YoY
+3.4% QoQ
|
+$43.6M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$240.1M
-1.4% YoY
+0.7% QoQ
|
+$56.5M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
3.26%
+7.2% YoY
-1.7% QoQ
|
+2.18% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.35%
+7.6% YoY
+1.8% QoQ
|
+1.49% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
45.68%
+0.2% YoY
+5.6% QoQ
|
-22.05% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.32%
-12.8% YoY
+4.1% QoQ
|
+0.68% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
76.10%
+5.9% YoY
+2.7% QoQ
|
+1.57% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
30.71%
+14.8% YoY
+1.7% QoQ
|
+8.32% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.85%
-47.6% YoY
-3.9% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.96%
+7.9% YoY
+38.9% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.26%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.35%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.68%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.96%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.26% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.85%
95
95th pctile
Efficiency Ratio
Current: 45.68% · Tier avg: 67.73%
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.71% · Tier avg: 22.39%
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M
69
69th pctile
Total Deposits
Current: $240.1M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $281.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.10% · Tier avg: 74.53%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
Top Weaknesses
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.10% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Assets
Current: $281.9M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $240.1M · Tier avg: $183.7M
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.71% · Tier avg: 22.39%
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%
95
95th pctile
Efficiency Ratio
Current: 45.68% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.26% · Tier avg: 1.08%