The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Mississippi

Yes. FNB Picayune Bank is an FDIC-insured institution (FDIC certificate #16612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.0% of deposits ($41.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

FNB Picayune Bank lists 7 offices in 4 cities. Most locations:

• Picayune, MS (4)
• Kiln, MS (1)
• Poplarville, MS (1)
• Wiggins, MS (1)

All branch addresses and map

In 2025, FNB Picayune Bank reported 162 home-loan applications under HMDA (LEI 549300JHFXRY8T6LN749): 130 originated ($18,180,000 total), 15 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

FNB Picayune Bank

Former names

First National Bank of Picayune

Type

State-chartered bank (Fed member)

FDIC certificate #

16612

RSSD ID

568939

Primary regulator

FED

Holding company

First Natl Corp of Picayune

Established

July 31, 1947

Headquarters

121 E Canal St, Picayune, MS 39466

Website

www.fnbop.com

Employees

73