BlastPoint's Banking Scorecard
The Peoples Bank
Ripley, MS
6 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
- Deposits +5.1% year over year ($522.6M on the books).
- Delinquency rate 0.35%.
- Return on assets 1.00%.
- Efficiency ratio 57.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 45.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.01% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.36% below tier average
- - ROA 0.33% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$581.8M
+5.4% YoY
-0.1% QoQ
|
+$195.2M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$236.3M
+10.9% YoY
+4.9% QoQ
|
-$22.0M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$522.6M
+5.1% YoY
-0.3% QoQ
|
+$195.9M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.00%
+22.6% YoY
-3.1% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
2.63%
+13.7% YoY
+2.9% QoQ
|
-1.36% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio ? |
57.47%
-8.1% YoY
-0.6% QoQ
|
-7.01% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.35%
-18.2% YoY
|
-0.57% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
45.22%
+5.4% YoY
+5.2% QoQ
|
-32.73% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
Top 6.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.33%
-4.2% YoY
-2.1% QoQ
|
-3.70% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.14%
-14.0% YoY
|
-0.53% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
20.58%
-4.3% YoY
-1.3% QoQ
|
+4.67% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
Top 12.5% in tier |
| Non-Interest Income / Assets ? |
0.40%
-0.2% YoY
+112.1% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
Top 14.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.3%
-0.8pp YoY -0.4pp QoQ |
-3.8pp | 22.1% | 23.1% | 22.2% | 37% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
-1.5pp YoY +0.1pp QoQ |
-0.9pp | 11.6% | 12.4% | 12.5% | 56% |
| CRE |
34.0%
+6.8pp YoY +1.7pp QoQ |
-5.5pp | 39.5% | 42.3% | 41.4% | 42% |
| 1-4 Family |
38.9%
-2.3pp YoY -1.3pp QoQ |
+6.3pp | 32.6% | 33.1% | 31.3% | 68% |
| Consumer |
8.4%
-1.0pp YoY -0.4pp QoQ |
+4.3pp | 4.1% | 5.6% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.6%
-0.9pp YoY -0.3pp QoQ |
+1.8pp | 18.8% | 16.5% | 19.7% | 80% |
| Leverage Ratio |
10.2%
-0.4pp YoY -0.2pp QoQ |
-1.9pp | 12.2% | 11.9% | 12.6% | 36% |
| Total Capital Ratio |
21.7%
-0.9pp YoY -0.3pp QoQ |
+1.8pp | 19.9% | 17.7% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
78
-3 (-3.7%) YoY -1 (-1.3%) QoQ |
+19 | 58 | 297 | 482 | 76% |
| Assets per Employee ($) |
$7.5M
+9.5% YoY +1.2% QoQ |
-$59K | $7.5M | $6.2M | $8.8M | 60% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 22 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 28% |
| Nonaccrual |
0.3%
-0.1pp YoY +0.3pp QoQ |
-0.6pp | 0.9% | 0.9% | 1.0% | 40% |
| Allowance Coverage |
4.06x
+21.7% YoY -92.2% QoQ |
-20.09x | 24.15x | 4.87x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+1.4pp YoY -0.4pp QoQ |
-1.1pp | 12.2% | 11.7% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 63% |
| Net Income ($, YTD) |
$2.9M
+30.4% YoY — QoQ |
+$301K | $2.6M | $13.8M | $40.4M | 68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.