BlastPoint's Banking Scorecard
Pike National Bank
Micro
Specialty: Commercial
MS
FDIC cert 26379
Designations: ✓ Community bank
Mccomb, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Pike National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.61% 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 ? |
$382.9M
+2.6% YoY
+0.5% QoQ
|
+$165.4M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$196.3M
+10.4% YoY
+3.4% QoQ
|
+$57.2M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$326.2M
-1.5% YoY
-2.8% QoQ
|
+$142.5M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.02%
+5.2% YoY
-1.5% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.69%
+6.0% YoY
+1.4% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
66.85%
-6.2% YoY
+0.3% QoQ
|
-0.88% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.55%
-7.7% YoY
-23.6% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
60.19%
+12.1% YoY
+6.4% QoQ
|
-14.33% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
21.65%
-5.3% YoY
+2.1% QoQ
|
-0.75% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.34%
-0.9% YoY
-18.5% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
19.55%
-4.3% YoY
-6.3% QoQ
|
+10.70% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
1.17%
-3.6% YoY
+29.2% QoQ
|
+0.61% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Non-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Why this stands out
Current:
1.17%
(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
94
94th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.56%
86
86th pctile
Total Assets
Current: $382.9M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $326.2M · Tier avg: $183.7M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.55% · Tier avg: 8.85%
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.19% · Tier avg: 74.53%
73
73th pctile
Total Loans
Current: $196.3M · Tier avg: $139.2M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.65% · Tier avg: 22.39%
48
48th pctile
Efficiency Ratio
Current: 66.85% · Tier avg: 67.73%
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
Top Weaknesses
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
48
48th pctile
Efficiency Ratio
Current: 66.85% · Tier avg: 67.73%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.65% · Tier avg: 22.39%
73
73th pctile
Total Loans
Current: $196.3M · Tier avg: $139.2M
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.19% · Tier avg: 74.53%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.55% · Tier avg: 8.85%
86
86th pctile
Total Deposits
Current: $326.2M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $382.9M · Tier avg: $217.5M
94
94th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.56%