The Peoples Bank, Biloxi, Mississippi: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 268.42 percentage points lower than in Q1 2026, at 331.20%. The Peoples Bank, Biloxi, Mississippi has the 6th lowest return on assets of the 57 banks headquartered in Mississippi, at 0.52% as of Q2 2026. The Peoples Bank, Biloxi, Mississippi's return on assets of 0.52% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.22% |
| Equity capital to assets | 13.08% |
| Tangible equity to tangible assets | 13.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.90% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 331.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 4.05% |
| Net interest margin | 2.86% |
| Efficiency ratio | 82.60% |
| Yield on earning assets | 4.02% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.43% |
| Core deposits to total deposits | 97.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.17% |
| Securities to assets | 53.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.99% | 0.92% | 3.34% | 0.09% | 0.04% |
| Q4 2023 | 12.59% | 0.85% | 3.25% | 0.09% | 0.02% |
| Q1 2024 | 11.48% | 1.08% | 3.27% | 0.15% | 0.13% |
| Q2 2024 | 11.84% | 1.09% | 2.88% | 0.19% | -0.11% |
| Q3 2024 | 13.48% | 7.26% | 2.84% | 0.19% | 0.03% |
| Q4 2024 | 13.95% | 0.77% | 3.19% | 0.19% | 0.02% |
| Q1 2025 | 13.32% | 0.64% | 2.98% | 0.20% | 0.02% |
| Q2 2025 | 13.97% | 0.66% | 3.00% | 0.25% | 0.01% |
| Q3 2025 | 15.19% | 0.34% | 2.72% | 0.32% | 0.07% |
| Q4 2025 | 15.76% | 0.40% | 2.84% | 0.20% | 0.02% |
| Q1 2026 | 14.15% | 0.72% | 3.13% | 0.19% | -0.24% |
| Q2 2026 | 15.22% | 0.52% | 2.86% | 0.34% | 0.00% |
The Peoples Bank, Biloxi, Mississippi vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, Biloxi, Mississippi, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)