Peoples Bank
Total assets
$503.5M
▲ +7.2% YoY
Deposits
$445.0M
▲ +7.9% YoY
Loans
$386.9M
▲ +6.8% YoY
Offices
5
PEOPLES BANCSHARES INC
ROA (annualized)
3.96%
peers 1.28%
ROE (annualized)
36.10%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.9% | +2.3 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +6.8% | +5.3% | +1.5 pts |
| ROA | 3.96% | 1.28% | +2.7 pts |
| ROE | 36.1% | 12.4% | +23.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PEOPLES BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 160 E Maud Ave, Mendenhall, MS, 39114
- County
- Simpson
- Metro area
- Jackson, MS
- Offices
- 5
- FDIC cert #
- 9366
- RSSD ID
- 70638
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $503.5M | $445.0M | $386.9M | $56.4M | $9.8M | 3.96% | 6.63% | 3.40% |
| Q1 2026 | $503.4M | $420.1M | $401.6M | $51.3M | $3.5M | 2.83% | 6.48% | 3.76% |
| Q4 2025 | $484.6M | $402.2M | $386.6M | $55.8M | $14.3M | 3.07% | 7.06% | 3.17% |
| Q3 2025 | $469.4M | $412.0M | $367.3M | $54.7M | $10.1M | 2.92% | 6.97% | 3.81% |
| Q2 2025 | $469.5M | $412.6M | $362.2M | $54.6M | $6.0M | 2.63% | 6.92% | 3.97% |
| Q1 2025 | $456.8M | $399.2M | $364.2M | $55.3M | $2.9M | 2.53% | 7.02% | 4.27% |
| Q4 2024 | $454.0M | $399.6M | $358.6M | $50.0M | $17.2M | 3.70% | 7.37% | 4.32% |
| Q3 2024 | $457.9M | $404.0M | $353.2M | $51.1M | $13.9M | 3.96% | 7.38% | 3.54% |
Loan mix (Q2 2026): real estate $305.2M · commercial $65.4M · consumer $15.7M · securities $45.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.96% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 36.1% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.63% | 3.89% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 61.2% | 33th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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