Fnb Picayune Bank
Picayune, Mississippi · FDIC Cert #16612
This is the FDIC profile for Fnb Picayune Bank, an FDIC-insured bank (Certificate #16612) with $273M in total assets and $240M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Picayune, Mississippi, the bank maintains a Tier 1 capital ratio of 14.49% (Well-Capitalized) and a nonperforming loan ratio of 1.25%. BankHealthData assigns a composite Health Grade of A (91/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fnb Picayune Bank (FDIC cert 16612) is a community bank — $273M in total assets, $240M in deposits, serving the Picayune, Mississippi area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.49% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.25% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 3.02% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Fnb Picayune Bank carries a composite BankHealth grade of A (91/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fnb Picayune Bank
- Total Assets
- $273M
- Total Deposits
- $240M
- Tier 1 Capital Ratio
- 14.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.25%
- Liquidity Ratio
- 38.38%
- Return on Assets
- 3.02%
- Headquarters
- Picayune, Mississippi
- FDIC Certificate
- #16612
- Health Grade
- A (91/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Fnb Picayune Bank files quarterly Call Reports with the FDIC under Certificate #16612. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Fnb Picayune Bank holds a Tier 1 capital ratio of 14.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fnb Picayune Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fnb Picayune Bank shows strong financial health indicators. With $273M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fnb Picayune Bank Compares
Fnb Picayune Bank’s Health Score of 91 is 9 points above the Mississippi state average of 82 across 45 FDIC-insured banks. Its 14.49% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 1.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 3.02% is in line with or above the national ROA benchmark of ~1.1%. Among 1581 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Fnb Picayune Bank is 11 points above the portfolio average of 80.
Frequently Asked Questions
Fnb Picayune Bank has a Bank Health Score of A (91/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fnb Picayune Bank's Tier 1 capital ratio of 14.49% and nonperforming loan ratio of 1.25% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fnb Picayune Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16612). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fnb Picayune Bank holds $273M in total assets and $240M in total deposits. It is headquartered in Picayune, Mississippi (FDIC Certificate #16612).
Fnb Picayune Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #16612 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Fnb Picayune Bank has a Tier 1 capital ratio of 14.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.25%, and the return on assets is 3.02%.
Yes. Fnb Picayune Bank is FDIC-insured (Certificate #16612). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fnb Picayune Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.