FNB Picayune Bank

Headquarters

121 E Canal St
Picayune, MS 39466
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.25% 0.80% →
2-Year CD 0.50% 0.80% →
5-Year CD 1.05% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FNB Picayune Bank is an FDIC insured institution located in Picayune, MS. It was founded in 1947 and has approximately $0.25 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 16612
Date Established 1947
Assets $ 252.64 million
Loans $ 136.21 million
Deposits $ 218.60 million
Capital $ 33.20 million
 

For a more detailed analysis of FNB Picayune Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.55% $10,000 $14,999 Learn More
30 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for FNB Picayune Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.873% 2.800%
1.00 points
$2,380 fees
$1,028 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to FNB Picayune Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FNB Picayune Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


FNB Picayune Bank Locations


Financial Details

FNB Picayune Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNB Picayune Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
FNB Picayune Bank U.S. Bank Average
17.86% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, FNB Picayune Bank had $3,196,000 in non-current loans and $3,070,000 in owned real estate. To cover these potential losses it had $33,195,000 in equity and $1,895,000 in loans loss reserves. That gives it a Texas Ratio of 17.86%.

Return on Equity
FNB Picayune Bank U.S. Bank Average
15.84% 11.43%

FNB Picayune Bank has a Return on Equity of 15.84% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
FNB Picayune Bank U.S. Bank Average
13.14% 11.51%

FNB Picayune Bank has a Capitalization of 13.14% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FNB Picayune Bank Balance Sheet Analysis

As of March 31, 2021, FNB Picayune Bank had assets of $252,642,000, loans of $136,206,000, and deposits of $218,597,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 33.56 million
Interest-bearing balances $ 24.02 million
Total securities $ 75.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 136.21 million
Loan loss allowance $ 1.90 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.07 million
Goodwill and other intangibles N.A.
All other assets $ 2.05 million
     Total Assets $ 219.45 million
LIABILITIES
Total deposits $ 218.60 million
      Interest-bearing deposits $ 158.31 million
      Deposits held in domestic offices $ 218.60 million
      % insured (estimated) 86.79%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.85 million
      Total Liabilities $ 219.45 million
      Shareholders’ Equity $ 33.20 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 2.61 million
Total Interest Expense $ 0.19 million
Net interest income $ 2.42 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.38 million
Total non interest expense $ 1.47 million
Pre-tax Net Operating Income $ 1.33 million

Bank Loan Profile?

The top three loan types in FNB Picayune Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, FNB Picayune Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.25
Multifamily
Mortgages
3.17
Credit Card Loans 0.00
Consumer Auto Loans 5.58
Small Business Loans 0.00
Construction and Development Loans 11.48
Commercial Real Estate 20.55
Commercial and Industrial Loans 13.06
Farm Loans 0.01

Frequently Asked Questions About Fnb Picayune Bank

Branches and Savings

Is Fnb Picayune Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16612.

Why does Fnb Picayune Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fnb Picayune Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fnb Picayune Bank a commercial bank?

Yes

Where are Fnb Picayune Bank locations?

See branch locations nearby.

Is Fnb Picayune Bank open on Saturdays?

Is Fnb Picayune Bank open on Sundays?

What time does Fnb Picayune Bank open?

What time does Fnb Picayune Bank close?

Are Fnb Picayune Bank ATMs Open 24/7?

Do Fnb Picayune Bank ATMs accept cash deposits?

Can Fnb Picayune Bank customers use other ATMs?

Do Fnb Picayune Bank branches have notaries?

Will Fnb Picayune Bank notarize my document?

What address for Fnb Picayune Bank should I put for incoming ACH transfers?

Will the Fnb Picayune Bank branch print checks?

Do Fnb Picayune Bank checks expire?

Does Fnb Picayune Bank require US citizenship to open account?

Can Fnb Picayune Bank close my account?

Does Fnb Picayune Bank Report to credit bureaus?

Does Fnb Picayune Bank Use Equifax?

What is Fnb Picayune Bank's ACH Routing Number?

What is Fnb Picayune Bank's SWIFT code?

Products

Does Fnb Picayune Bank offer mortgages?

Compare mortgage rates here.

Does Fnb Picayune Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fnb Picayune Bank offer personal loans?

Compare personal loan rates here.

Does Fnb Picayune Bank offer student loans?

Will Fnb Picayune Bank cash a check?

Will Fnb Picayune Bank redeem a savings bond?

Does Fnb Picayune Bank cash savings bonds?

Will Fnb Picayune Bank cash money orders?

Can Fnb Picayune Bank issue a money order?

Does Fnb Picayune Bank do currency exchange?

Background on The Bank

Who owns Fnb Picayune Bank?

How long has Fnb Picayune Bank been around?

Can Fnb Picayune Bank transfer to other banks?

Does Fnb Picayune Bank have quick pay?

Does Fnb Picayune Bank accept rolled coins?

Will Fnb Picayune Bank accept loose change?

Where is Fnb Picayune Bank headquarters?

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