Fnb Picayune Bank (FDIC #16612): Bank Stress & Real-Estate Credit Exposure
Fnb Picayune Bank (FDIC Cert #16612): bank stress 25/100, contained, STABLE over 7 days; parent FIRST NATL CORP OF PICAYUNE.
Fnb Picayune Bank (#16612) lends in 3 counties across 1 state; Fnb Picayune Bank (#16612) reaches 15 ZIP codes: Mississippi 3 counties, 15 ZIPs.
Fnb Picayune Bank (#16612) largest markets: Hancock County, MS (11 branches, 11 ZIPs) (#16612), Stone County, MS (6 branches, 6 ZIPs) (#16612), Pearl River County, MS (25 branches, 5 ZIPs) (#16612).
Fnb Picayune Bank (#16612) reports $282.3 million in total assets; Fnb Picayune Bank (#16612) equity $40.0 million (14.2% of Fnb Picayune Bank (#16612) assets); Fnb Picayune Bank (#16612) domestic deposits $241.0 million; Fnb Picayune Bank (#16612) net income $4.6 million; Fnb Picayune Bank (#16612) return on assets 3.28%; Fnb Picayune Bank (#16612) return on equity 22.92%; Fnb Picayune Bank (#16612) net interest income $7.3 million; Fnb Picayune Bank (#16612) call report June 30, 2026.
Fnb Picayune Bank (#16612) noncurrent real-estate loans 0.10% of its book; Fnb Picayune Bank (#16612) net charge-offs on real estate 1.42%; Fnb Picayune Bank (#16612) residential charge-offs 1.87%.
Fnb Picayune Bank (#16612) net interest margin 5.44% against an eight-quarter Fnb Picayune Bank (#16612) average of 5.17% (Fnb Picayune Bank (#16612) compression -0.27 points); Fnb Picayune Bank (#16612) real-estate loans 9.8% of equity; Fnb Picayune Bank (#16612) non-residential real estate 186.9% of equity; Fnb Picayune Bank (#16612) rate-exposure score 40/100, Fnb Picayune Bank (#16612) fixed-rate trap 40/100; Fnb Picayune Bank (#16612) risk type rate trapped; Fnb Picayune Bank (#16612) rate regime rates elevated, Fnb Picayune Bank (#16612) snapshot October 19, 2026.
Fnb Picayune Bank (#16612) stress score moved from 23.2 on June 22, 2026 to 24.6 on October 19, 2026; Fnb Picayune Bank (#16612) ranged 23.2 to 24.6 over 116 snapshots.
Fnb Picayune Bank (#16612) alerts: 3 counties; top Fnb Picayune Bank (#16612) alert scores: Kiln County, MS 14 (low); Poplarville County, MS 14 (low); Wiggins County, MS 14 (low).