The Peoples Bank, Biloxi, Mississippi: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.09 percentage points higher than in Q1 2026, at 45.43%. The Peoples Bank, Biloxi, Mississippi has the 3rd lowest loan-to-deposit ratio of the 57 banks headquartered in Mississippi, at 45.43% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank, Biloxi, Mississippi sits 35.41 points lower, at 45.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $277.2M |
| Net loans and leases | $274.1M |
| Loans held for sale | $0 |
| Loans to total assets | 35.96% |
| Loan-to-deposit ratio | 45.43% |
| Net loans to equity capital | 2.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.01% |
| Multifamily (5+ residential) | 1.79% |
| Commercial and industrial | 5.95% |
| Consumer | 2.69% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.36% |
| Construction concentration (Tier 1 capital + allowance) | 27.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $229.7M | $730.7M | 48.13% | 4.72% | 2.60% |
| Q4 2023 | $238.3M | $688.7M | 48.25% | 5.24% | 2.66% |
| Q1 2024 | $236.3M | $811.6M | 47.72% | 4.60% | 2.68% |
| Q2 2024 | $238.7M | $675.8M | 47.77% | 4.87% | 2.60% |
| Q3 2024 | $239.3M | $667.0M | 46.80% | 5.07% | 2.64% |
| Q4 2024 | $233.6M | $721.0M | 48.91% | 5.73% | 2.68% |
| Q1 2025 | $231.6M | $752.2M | 47.70% | 5.34% | 2.77% |
| Q2 2025 | $248.3M | $644.6M | 49.51% | 5.23% | 2.64% |
| Q3 2025 | $252.7M | $637.9M | 49.82% | 5.20% | 2.76% |
| Q4 2025 | $263.7M | $604.8M | 47.43% | 6.48% | 2.71% |
| Q1 2026 | $268.8M | $666.4M | 46.49% | 5.72% | 2.95% |
| Q2 2026 | $277.2M | $610.1M | 46.01% | 5.95% | 2.69% |
The Peoples Bank, Biloxi, Mississippi loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, Biloxi, Mississippi, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Peoples Bank, Biloxi, Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 340) · FFIEC NIC profile (RSSD 870539)