The Peoples Bank, Biloxi, Mississippi
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank, Biloxi, Mississippi is an FDIC-insured commercial bank headquartered in Biloxi, MS, supervised by the FDIC, with $770.7M in total assets at Q2 2026, up 1.3% from Q2 2025, the 19th largest of 57 banks headquartered in Mississippi. It was established in 1896 and holds FDIC certificate 340. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 340
- Headquarters
- Biloxi, MS
- Established
- 1896
- Total assets, Q2 2026
- $770.7M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 15.22%
- Domestic offices
- 18 · The Peoples Bank, Biloxi, Mississippi branches FDIC institution directory, current count
- Routing number
- 065500752
- Safety and soundness
- Is The Peoples Bank, Biloxi, Mississippi safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank, Biloxi, Mississippi call report
- Holding company
- PEOPLES FINANCIAL CORPORATION
- Asset rank in state
- 19th of 57 in Mississippi
The Peoples Bank, Biloxi, Mississippi spends more to run itself than most banks of its size. Based in Biloxi, Mississippi, it had $771 million in assets at June 30, 2026, up 1.3% from a year earlier. It spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 2.86 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Loans and deposits moved in opposite directions: over the year loans rose 11.6% and deposits fell 5.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $34 million equal 29% of Tier 1 capital, down from 36% a year earlier. Profitability lags: it returns 4.0% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
As of June 30, 2026, The Peoples Bank, Biloxi, Mississippi reported a return on assets of 0.52%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples Bank, Biloxi, Mississippi is the 19th largest of the 57 banks headquartered in Mississippi. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $770.7M, loans rose 3.1% and deposits fell 8.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.1% of total loans, followed by 1-4 family residential loans at 30.7%. The FDIC Summary of Deposits lists 18 offices for it, in 12 cities in MS; its Biloxi 4 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Bank, Biloxi, Mississippi meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 152 Lameuse St, Biloxi, MS 39530
- County
- Harrison
- Metro Area
- Gulfport-Biloxi, 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
- April 13, 1896
- Former names
- The Peoples Bank, Biloxi, Mississippi (1990)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $610.1M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$161K
- Average total assets
- $787.8M
- Average total loans
- $272.1M
- Average interest-bearing deposits
- $403.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 340
- Fed RSSD
- 870539
- SEC CIK
- 770460 → filed by PEOPLES FINANCIAL CORPORATION
- Website
- www.thepeoples.com →
- Parent Holding Company
- PEOPLES FINANCIAL CORPORATION (RSSD 1133174) · PFBX
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Chevis Swetman | CEO | CEO/President |
| Monroe Timothy Duane | CCO | SVP/Chief Credit Officer |
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Peoples Bank, Biloxi, Mississippi reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Peoples Bank, Biloxi, Mississippi's total assets ran between $726.7M (Q4 2025) and $932.2M (Q1 2024), 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
$770.7M total assets against $761.0M; $669.8M total liabilities against $665.3M.
$274.1M net loans and leases against $245.3M; $610.1M total deposits against $644.6M.
$414.4M securities against $437.9M; $24.1M cash and balances due against $18.4M.
$6.9M total interest income against $7.5M; $2.0M total interest expense against $2.0M.
$4.9M net interest income against $5.5M.
$1.9M total noninterest income against $1.8M; $5.7M total noninterest expense against $5.6M.
-$6K provision for credit losses against $0.
$1.0M net income against $1.4M.
0.52% return on assets against 0.66%; 2.86% net interest margin against 3.00%.
15.22% tier 1 leverage ratio against 13.97%.
Inside the full The Peoples Bank, Biloxi, Mississippi terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank, Biloxi, Mississippi rankings
Its closest position to the top of a national ranking is 1,286 of 4,196, for total assets; its furthest is 3,318 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q3 2025) to 7.26% (Q3 2024) and its net interest margin ran from 2.72% (Q3 2025) to 3.19% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.22% | 0.52% | 0.18% | 0.47% | 2.86% |
| Q1 2026 | 14.15% | 0.72% | 0.19% | 0.50% | 3.13% |
| Q4 2025 | 15.76% | 0.40% | 0.20% | 0.52% | 2.84% |
| Q3 2025 | 15.19% | 0.34% | 0.35% | 0.88% | 2.72% |
| Q2 2025 | 13.97% | 0.66% | 0.25% | 0.62% | 3.00% |
| Q1 2025 | 13.32% | 0.64% | 0.22% | 0.52% | 2.98% |
| Q4 2024 | 13.95% | 0.77% | 0.18% | 0.46% | 3.19% |
| Q3 2024 | 13.48% | 7.26% | 0.18% | 0.44% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 |
|---|---|---|---|
| The Peoples Bank, Biloxi, Mississippi | Biloxi , MS | 39530 | $140.1M |
| Ocean Springs Branch | Ocean Springs , MS | 39564 | $96.0M |
| Downtown Gulfport Branch | Gulfport , MS | 39501 | $90.4M |
| Cedar Lake Branch | Biloxi , MS | 39532 | $44.4M |
| Downtown Gulfport Branch | Gulfport , MS | 39503 | $28.8M |
| D'Ibervlle Branch | Diberville , MS | 39540 | $27.2M |
| Waveland Branch | Waveland , MS | 39576 | $27.1M |
| Bay St. Louis Branch | Bay Saint Louis , MS | 39520 | $24.1M |
| West Biloxi Branch | Biloxi , MS | 39531 | $23.1M |
| Wiggins Branch | Wiggins , MS | 39577 | $22.9M |
| Handsboro Branch | Gulfport , MS | 39507 | $22.7M |
| Diamonhead Branch | Bay St. Louis , MS | 39525 | $19.4M |
| Pass Christian Branch | Pass Christian , MS | 39571 | $15.3M |
| Long Beach - Jeff Davis Avenue Branch | Long Beach , MS | 39560 | $13.7M |
| Armed Forces Retirement Home (Afrh) Branch | Gulfport , MS | 39507 | $7.3M |
| Gautier Branch | Gautier , MS | 39553 | $4.8M |
| Saucier Branch | Saucier , MS | 39574 | $2.9M |
| Money Center | Biloxi , MS | 39530 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 17, 1991 | Structure Change | Acquired Southern Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 1988 | Structure Change | Acquired Gulf National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MS, rank 22 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 138 applications, 110 loans originated, $19.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $57K approved, $28K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 The Peoples Bank, Biloxi, Mississippi
What are The Peoples Bank, Biloxi, Mississippi's total assets?
As of the Q2 2026 filing, The Peoples Bank, Biloxi, Mississippi reported total assets of $770.7 million in its FFIEC call report.
Where is The Peoples Bank, Biloxi, Mississippi headquartered?
It is headquartered in Biloxi, MS, United States.
When was The Peoples Bank, Biloxi, Mississippi founded?
It was established in 1896, per the FDIC institution directory.
Is The Peoples Bank, Biloxi, Mississippi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #340). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank, Biloxi, Mississippi?
The Peoples Bank, Biloxi, Mississippi's primary federal regulator is the FDIC.
How many branches does The Peoples Bank, Biloxi, Mississippi operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Bank, Biloxi, Mississippi's Texas Ratio?
Its Texas Ratio is 0.47% 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.
What was The Peoples Bank, Biloxi, Mississippi previously called?
The charter now named The Peoples Bank, Biloxi, Mississippi has also operated as The Peoples Bank, Biloxi, Mississippi (1990), per FDIC structure-change records.
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