# PIKE NATIONAL BANK
MCCOMB, MS · FDIC certificate 26379 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $408.8M | |
| Deposits | $358.0M | |
| Loans and leases | $233.6M | |
| Total equity | $43.2M | |
| Loans / deposits | 64.49% (p18 of band) | 82.04% |
| Liquid assets / assets | 37.50% (p79 of band) | |
| Uninsured deposits / deposits | 38.62% (p86 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.22% (p36 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 11.73% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -18.44% (p25 of band) | -8.10% |
| AOCI / equity | -0.96% (p24 of band) | |
| ROA (annualized) | 1.00% (p32 of band) | 1.28% |
| Net interest margin | 3.83% (p45 of band) | 3.91% |
| Efficiency ratio | 66.25% (p65 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 203.78% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 69.34% (p71 of band) | |
| Auto loans | $8.0M (3.43% of loans; DQ 0.60%, NCO 0.00%) | |
| Loans to nondepository financials | $2.6M (6% of equity) (p95 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | deposits shrinking |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | noncurrent p90 | deposits shrinking |
| 2013-03 | 1 |  | noncurrent p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | capital falling, charge-offs p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 0 |  | reserve under noncurrent, capital falling |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-08-12 [Jason Furr joins UMB as senior vice president/lending in Bro... - natchezdemocrat.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOenozV09wdFhzREdIV2RtY0plQm5CVGZ1QVdBMFlGZTdsa1RxREI5MEFSY1pNdkVPZjY5U2NNOW1RZkpYcEkydXJncGlEcHNyMjY0aFVBWDdENUVYenJSRnFJVlZCUDB4SUNaT2dIdm02ZlNTUElJZm5WQXdiLUdaUWpaTzlQYi1wVVphRVJEMFJRajRBSGExZmlaaHNlVjlmZ2VVeEw2Zjg4UVBkNTR4cDZiQTJBQlJOQXc?oc=5) · natchezdemocrat.com
- 2014-06-14 [On the Move: Mississippi Bankers Association - The Clarion-Ledger](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcTZkaWlSZ24wOTlHXzdDUnNEejVvNXhQS0FNSElEeW5QNFpES3hjazJ2ZXpua0pDYWhxaXJVejl5N2NvMS1pNzZNaklFblJVTFUyQmVXOXJtTkNZQTdUVUEtSjFNR2pJQ3lzUTVvWF9JSXBFQmJ5dEJDcEdEVDFubmFRdFZ3cHk0V2hKN3dlYzVzYXN2b0R6RC1HTnBSbWlqX0U2RFgzZDlwZXgz?oc=5) · The Clarion-Ledger
- 2021-05-21 [Tina Perry Obituary (2009) - McComb, MS - Hartman-Jones Funeral Home - McComb - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTHJXd2NYTXdaaDRlcXh5QjY2Qzlsb0J1ekd0RlNFQTdjQXkxVUdJNFBYOUZDRFZGZFM1SENtOWFKOGdKTl9mMFhMY0ZsSzNhcGtpbXNNemFrODk4ZVliNFpLWEJMNURPYWNER1dLOUZuRl82THFuU1UtbzY3WUFQOA?oc=5) · legacy.com
- 2022-03-25 [Deeds of trust filed 12.03.21 - Daily Leader](https://news.google.com/rss/articles/CBMic0FVX3lxTE1OOVR6OHF0dmFCZGR5NmhrWjFLYnI0czVRLTJPdmdZTHNodG80dGRNdVNpX0NrcEJNSkhYalM5eVh5ZTIwVmFLWkJrcGQwd09DNUc1RzlURmVuZW9VWFNVdHVrSy1wNENsa05mUHVfMHc4V2c?oc=5) · Daily Leader
- 2017-08-30 [On the Move: New hires, promotions, recognition - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxPblZ6SW43eVJCZmV2MWZzb3NjY1J6RzNleTN5QzFGVUJOaFM1U0ppUGRuTnpBbTdOVmZWUVUwcW1hSURZZXl4TW9EWWhaeDVrellTcmoyai1USEZGOTJWUldIVHZhMG9DLXMwS0hYX1pKc2x0MWw4RWVzVFoxRVdHU2M2SWhyQjlnM051U2k2a2QwUEZSajdtWXk3d19BTHpQUWc?oc=5) · The Clarion-Ledger
- 2021-01-20 [32 deeds of trust filed in week ending Jan. 15 - Daily Leader](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPU0VCbmZpTFVLNTlwVnU1ckJ4MkFHNHQzei1QbkJGdGRwVHFGbVpXaHd5dWdvR2UzMl83TEI4ejZtaG1fWDJqdE1TdGpmU0RTWW5OVG9DNGJRV19mWkNBVnlnWkZMUXdSRmo2aldsNGRlU3hPeV9OejY4X0U0NGF3cE56eTM0Um1Z?oc=5) · Daily Leader
- 2021-06-16 [Treasury awards $1.82 million to Bank of Brookhaven, 51 other MS institutions - Daily Leader](https://news.google.com/rss/articles/CBMisAFBVV95cUxPdmhObUZYbVdJMEtYaVVpVHVldWxYd1FxdTBTaDROM2hUMDFCWUFsZkJkeUJsQTN6NDdqTVBYUTRiZHF1Yk5Vbzdpc0t3TzUyNWQtRS1vc29NMmtQUVU1aXpwdEoxSWYyc0VycVYwcnkyUUhhZmpLd25TZHRlNW53czJnbEF2aEZoNkxNeHZOR2NsTE9lX1F6aklpdm9FbUt4U3pUcTAzTXM3VjJPZ0xJdg?oc=5) · Daily Leader
- 2025-11-01 [Doll’s House to host 13th annual Charity Benefit - Daily Leader](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaXNwNjRxeGdKOWJ6QlhJZXg3OXVCZ3IzSDZuNVVjUGtYUndZdC1STTBwZHEtYjRMX3hEekF4ck9KRXMtY1l0d09QX190cF9MaW5OSDZwZWFMOE1lc196RkFQemlBQ0lhQ2RVWWgzTnZvV0t5d245RGU3czdHZVZWb1RkM19SdDYzWnhn?oc=5) · Daily Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26379 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "26379", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide