PEOPLES BANK, BILOXI, MISSISSIPPI, THE

BILOXI, MS | Medium | Est. April 13, 1896, midnight | FDIC #340 | RSSD #870539 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, BILOXI, MISSISSIPPI, THE is amn medium FDIC-insured commercial bank headquartered in BILOXI, MS, established in April 13, 1896, midnight. As of 2025-12-31, the bank reported total assets of $727M and total deposits of $605M. Profitability stands at 0.40% ROA and 3.00% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 13.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.52%. FDIC Certificate #340.

Assets

$727M

Deposits

$605M

Loans

$264M

Equity

$100M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 3.00%
Net Interest Margin (NIM) 2.72%
Yield on Assets 3.85%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.52%
NPA Ratio 0.07%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 13.68%
Tier 1 Capital 13.68%
Total Capital Ratio 14.37%
Leverage Ratio 15.76%
Loan-to-Deposit 43.60%

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