The Peoples Bank (Ripley, MS)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is an FDIC-insured commercial bank headquartered in Ripley, MS, established in 1925 (FDIC certificate 15871), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $581.8M, up 5.4% from Q2 2025, the 21st largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 20.58% 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
- 15871
- Headquarters
- Ripley, MS
- Established
- 1925
- Total assets, Q2 2026
- $581.8M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 20.58%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 084205452
- Holding company
- PEOPLES CORPORATION, THE
- Asset rank in state
- 21st of 57 in Mississippi
The Peoples Bank, based in Ripley, Mississippi, reported $582 million in assets at June 30, 2026, up 5.4% from a year earlier. It keeps 2.81 cents of net interest income on every dollar of earning assets, lower 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 holds commercial real estate loans equal to only 20% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 13% from a year earlier, to $1.4 million. Over the same year, loans grew 10.8% and deposits grew 5.1%.
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 20.58%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples Bank is the 21st largest of the 57 banks headquartered in Mississippi. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $581.8M, loans rose 4.8% and deposits fell 0.3%. 1-4 family residential loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 28.1%. Its 6 offices in the FDIC Summary of Deposits are in Ripley, MS, Walnut, MS and Blue Mountain, MS; its Ripley 4 offices book 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 305 E Jefferson St, Ripley, MS 38663
- County
- Tippah
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1925
- Former names
- The Peoples Bank (1971)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $522.6M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$31K
- Average total assets
- $589.0M
- Average total loans
- $231.3M
- Average interest-bearing deposits
- $505.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 18, 1941
- FDIC Cert
- 15871
- Fed RSSD
- 593249
- Website
- WWW.PEOPLESRIPLEY.COM →
- Parent Holding Company
- PEOPLES CORPORATION, THE (RSSD 1097061)
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
Over the 12 quarters to Q2 2026, The Peoples Bank's total assets ran between $495.5M (Q3 2023) and $582.2M (Q1 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
$581.8M total assets against $552.0M; $529.7M total liabilities against $504.7M.
$236.3M net loans and leases against $213.2M; $522.6M total deposits against $497.0M.
$290.4M securities against $274.5M; $29.5M cash and balances due against $39.1M.
$6.2M total interest income against $5.6M; $2.5M total interest expense against $2.6M.
$3.7M net interest income against $3.0M.
$1.2M total noninterest income against $1.1M; $2.8M total noninterest expense against $2.5M.
$96K provision for credit losses against $54K.
$1.4M net income against $1.2M.
0.95% return on assets against 0.91%; 2.81% net interest margin against 2.45%.
20.58% CET1 capital ratio against 21.52%; 10.25% tier 1 leverage ratio against 10.64%.
Inside the full The Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank rankings
Its closest position to the top of a national ranking is 304 of 2,134, for CET1 ratio; its furthest is 2,627 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 1.09% (Q3 2025) and its net interest margin ran from 2.30% (Q4 2024) to 2.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.58% | 0.95% | 0.34% | 1.49% | 2.81% |
| Q1 2026 | 20.86% | 1.02% | 0.03% | 0.12% | 2.64% |
| Q4 2025 | 20.81% | 0.77% | 0.05% | 0.23% | 2.68% |
| Q3 2025 | 21.53% | 1.09% | 0.03% | 0.14% | 2.62% |
| Q2 2025 | 21.52% | 0.91% | 0.42% | 1.82% | 2.45% |
| Q1 2025 | 21.68% | 0.73% | 0.45% | 2.00% | 2.36% |
| Q4 2024 | 21.30% | 0.57% | 0.03% | 0.13% | 2.30% |
| Q3 2024 | 21.78% | 0.95% | 0.04% | 0.18% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 | Ripley , MS | 38663 | $444.2M |
| Walnut Branch | Walnut , MS | 38683 | $78.4M |
| East Motor Branch | Ripley , MS | 38663 | $0 |
| Mcgill North Branch | Ripley , MS | 38663 | $0 |
| Ripley Branch | Ripley , MS | 38663 | $0 |
| Blue Mountain Branch | Blue Mountain , MS | 38610 | $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 |
|---|---|---|---|
| October 3, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired The Bank of Walnut Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MS, rank 23 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $99K approved, $99K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $581.8 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Ripley, MS, United States.
When was The Peoples Bank founded?
It was established in 1925, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15871). 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?
The Peoples Bank's primary federal regulator is the FDIC.
What is The Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.58% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Peoples Bank operate?
It operates 6 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's Texas Ratio?
Its Texas Ratio is 1.49% 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 previously called?
The charter now named The Peoples Bank has also operated as The Peoples Bank (1971), per FDIC structure-change records.
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