PEOPLES BANK

MENDENHALL, MS | Small | Est. Nov. 5, 1908, midnight | FDIC #9366 | RSSD #70638 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in MENDENHALL, MS, established in Nov. 5, 1908, midnight. As of 2025-12-31, the bank reported total assets of $485M and total deposits of $402M. Profitability stands at 3.53% ROA and 30.46% ROE, with a net interest margin of 7.26%. The bank's CET1 capital ratio is 15.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.67% and a Texas Ratio of 24.71%. FDIC Certificate #9366.

Assets

$485M

Deposits

$402M

Loans

$392M

Equity

$56M

Profitability

Return on Assets (ROA) 3.53%
Return on Equity (ROE) 30.46%
Net Interest Margin (NIM) 7.26%
Yield on Assets 9.13%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 3.67%
Net Charge-Off Ratio 0.78%
Texas Ratio 24.71%
NPA Ratio 3.14%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 15.82%
Tier 1 Capital 15.82%
Total Capital Ratio 17.07%
Leverage Ratio 12.18%
Loan-to-Deposit 97.54%

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