FNB Picayune Bank
Picayune, MS
IDRSSD: 568939
Total Assets
$277.76M
Latest filing
Total Deposits
$238.57M
Latest filing
Net Interest Margin
5.46%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/31/1947 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39466 |
| State and County Number | 28109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Picayune, MS |
Operational Info
| Number of Employees | 67 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/31/1947 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbop.com |
| Data Updated | 11/14/2025 |
| CERT | 16612 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $277.76M |
| Total Deposits | $238.57M |
| Total Liabilities | $239.81M |
| Total Equity Capital | $37.95M |
| Net Income | $2.53M |
| Net Loans and Leases | $176.78M |
| Assets Per Employee ($Millions) | $4.08M |
| Bank Premises and Fixed Assets | $2.86M |
| Cash and Balances due from Depository Institutions | $17.15M |
| Deposits Held in Domestic Offices | $238.57M |
Key Performance Ratios
| Return on Assets (ROA) | 3.62% |
| Return on Equity (ROE) | 27.3% |
| Net Interest Margin | 5.46% |
| Efficiency Ratio | 40.77% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.662% |
| Earning Assets to total Assets | 96.05% |
Income and Expense
| Total Interest Income | $4.27M |
| Total Noninterest Income | $795.00k |
| Total Interest Expense | $619.00k |
| Total Noninterest Expense | $1.81M |
| Net Interest Income | $3.65M |
| Pre-tax Net Operating Income | $2.53M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $231.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.24M |
| Total Liabilities and Capital | $277.76M |
Securities
| Securities | $78.48M |
| Available-for-sale debt securities | $67.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $11.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB Picayune Bank?
$277.76M as of the latest filing.
How much are FNB Picayune Bank's total deposits?
$238.57M in total deposits.
Where is FNB Picayune Bank located?
Picayune, MS.
What is the Net Interest Margin?
5.46%.
How many domestic offices does it operate?
7.
When was it established?
07/31/1947.
What is the Return on Assets (ROA)?
3.62%.
How much are total loans and leases?
$176.78M (latest filing).
What is the total interest income (latest filing)?
$4.27M.