Side-by-side · Q2 2026 data
Unity Bank of Mississippi vs FNB Picayune Bank
Metric by metric
| Measure | Unity Bank of Mississippi | FNB Picayune Bank |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 73 (stronger) | 58 |
| Earnings | 37 | 100 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 58 | 86 (stronger) |
| Peer percentile | 20th | 90th |
| Total assets | $281.8M | $282.3M |
| Deposits / shares | $248.2M | $241.0M |
| Capital ratio | 11.04% | 15.44% (stronger) |
| Problem loans | 0.80% (stronger) | 1.26% |
| Net charge-offs | 0.62% | 0.11% (stronger) |
| Return on assets | 0.43% | 3.28% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 75.1% |
| Uninsured deposits | 36.6% | 17.0% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
FNB Picayune Bank has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Unity Bank of Mississippi leads on 2 and FNB Picayune Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.