B
FNB Picayune Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings FNB Picayune Bank
Picayune, MS
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Rating B
Asset Quality Index 6.40
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 10.00
Stability Index 5.70
Company Info FNB Picayune Bank
Picayune, MS
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FDIC Number 16612
Phone Number (601) 749-3200
Website www.fnbop.com
Asset Quality FNB Picayune Bank
Picayune, MS
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1-Year Asset Growth -1.12%
5-Year Asset Growth 7.65%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 5.08%
Non-Performing Loans to Loans 0.76%
Balance Sheet FNB Picayune Bank
Picayune, MS
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Total Assets 277.76M
Total Deposits 238.57M
Capital and Reserves FNB Picayune Bank
Picayune, MS
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Capital 37.95M
Leverage Ratio 14.96
Loan Loss Reserves to Loans 1.16%
Risk-Based Capital Ratio --
Liquidity FNB Picayune Bank
Picayune, MS
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Hot Money Ratio 20.95%
Liquidity Ratio 26.68%
Profitability FNB Picayune Bank
Picayune, MS
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5-Year Return on Average Assets 2.90%
Net Income 6.98M
Net Interest Spread 5.22%
Operating Profit to Average Assets 3.31%
Overhead Efficiency Ratio 43.24%
Return on Assets 3.31%
Return on Equity 25.68%