Peoples Bank (Mendenhall, MS)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank is an FDIC-insured commercial bank headquartered in Mendenhall, MS, established in 1908 (FDIC certificate 9366), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $503.5M, up 7.2% from Q2 2025, the 27th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 15.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9366
- Headquarters
- Mendenhall, MS
- Established
- 1908
- Total assets, Q2 2026
- $503.5M
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 15.25%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065303467
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank call report
- Holding company
- PEOPLES BANCSHARES, INC.
- Asset rank in state
- 27th of 57 in Mississippi
Problem loans are rising at Peoples Bank. Its balance sheet stood at $503 million at June 30, 2026, up 7.2% from a year earlier; it is based in Mendenhall, Mississippi. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.34% of loans from 2.47% a year earlier. It keeps 6.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 21.7% of the capital and reserves that would absorb them, 8.2 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $6.3 million, 100% above the same quarter a year earlier. Its $156 million non-owner-occupied commercial real estate book is improving, with 4.01% past due or on nonaccrual, down from 7.35% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 15.25%, a return on assets of 5.14%, a nonperforming-loan ratio of 4.28% and a Texas ratio of 21.66%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Peoples Bank is the 27th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans fell 3.7% and deposits rose 5.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 39.6% of total loans, followed by commercial and industrial loans at 16.6%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in MS; its Mendenhall office books 53% of its branch deposits. On its Q2 2026 call report, Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 160 E Maud Ave, Mendenhall, MS 39114
- County
- Simpson
- Metro Area
- Jackson, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 5, 1908
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $445.0M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $619K
- Average total assets
- $492.7M
- Average total loans
- $398.6M
- Average interest-bearing deposits
- $336.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9366
- Fed RSSD
- 70638
- Website
- yourpeoples.bank →
- Parent Holding Company
- PEOPLES BANCSHARES, INC. (RSSD 4189314)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples Bank's total assets moved between a low of $445.0M (Q3 2023) and a high of $503.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$503.5M total assets against $469.5M; $447.1M total liabilities against $415.0M.
$386.9M net loans and leases against $362.2M; $445.0M total deposits against $412.6M.
$45.9M securities against $40.6M; $29.5M cash and balances due against $27.5M.
$9.7M total interest income against $9.2M; $2.0M total interest expense against $2.0M.
$7.7M net interest income against $7.1M.
$5.4M total noninterest income against $3.2M; $6.7M total noninterest expense against $6.4M.
$18K provision for credit losses against $759K.
$6.3M net income against $3.2M.
5.14% return on assets against 2.77%; 6.87% net interest margin against 6.93%.
15.25% CET1 capital ratio against 16.53%; 11.72% tier 1 leverage ratio against 12.84%.
Inside the full Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples Bank rankings
Its closest position to the top of a national ranking is 11 of 3,611, for ROA; its furthest is 1,770 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.51% (Q1 2025) to 5.14% (Q2 2026) and its net interest margin ran from 6.48% (Q1 2026) to 7.52% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.25% | 5.14% | 4.28% | 21.66% | 6.87% |
| Q1 2026 | 14.46% | 2.85% | 4.46% | 19.38% | 6.48% |
| Q4 2025 | 15.82% | 3.55% | 3.71% | 15.07% | 7.46% |
| Q3 2025 | 16.18% | 3.48% | 4.02% | 23.15% | 6.97% |
| Q2 2025 | 16.53% | 2.77% | 4.51% | 18.45% | 6.93% |
| Q1 2025 | 16.60% | 2.51% | 5.04% | 18.94% | 6.95% |
| Q4 2024 | 15.10% | 2.90% | 5.08% | 27.06% | 7.32% |
| Q3 2024 | 15.59% | 3.59% | 4.19% | 25.60% | 7.52% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank (main office) | Mendenhall , MS | 39114 | $238.0M |
| Magee Branch | Magee , MS | 39111 | $109.8M |
| Collins Branch | Collins , MS | 39428 | $81.8M |
| Richland Branch | Richland , MS | 39218 | $15.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MS, rank 31 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 566 applications, 374 loans originated, $84.8M originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 76 loans, $81.4M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $503.5 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Mendenhall, MS, United States.
When was Peoples Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank?
Peoples Bank's primary federal regulator is the FDIC.
What is Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank's Texas Ratio?
Its Texas Ratio is 21.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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