Banks PEOPLES BANK, THE

PEOPLES BANK, THE

RIPLEY, MS Medium Est. March 3, 1925, midnight FDIC #15871 RSSD #593249 FDIC
Latest · 2025-12-31

PEOPLES BANK, THE is an FDIC-insured commercial bank headquartered in RIPLEY, MS, established in March 3, 1925, midnight. As of 2025-12-31, the bank reported total assets of $556M and total deposits of $498M. Profitability stands at 0.77% ROA and 8.50% ROE, with a net interest margin of 2.62%. CET1 capital ratio: 20.81%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.20%.

Assets
$556M
Deposits
$498M
Loans
$228M
Equity
$51M

Profitability

Return on Assets (ROA)0.77%
Return on Equity (ROE)8.50%
Net Interest Margin2.62%
Yield on Assets4.63%
Cost of Funds2.05%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio0.02%
Texas Ratio0.20%
NPA Ratio0.02%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio20.81%
Tier 1 Capital20.81%
Total Capital Ratio21.93%
Leverage Ratio10.41%
Loan-to-Deposit45.79%

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