BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Other MS FDIC cert 15871

Ripley, MS

6 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

The Peoples Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 7.47% below tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.37% below tier average
- ROA 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$582.2M +7.4% YoY +4.8% QoQ	+$196.1M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$225.3M +7.1% YoY +0.2% QoQ	-$30.4M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$524.0M +7.2% YoY +5.3% QoQ	+$196.1M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.03% +42.8% YoY +18.2% QoQ	-0.24%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	2.56% +13.7% YoY +5.1% QoQ	-1.37%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	57.82% -8.8% YoY -7.2% QoQ	-7.47%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.03% -94.0% YoY -49.7% QoQ	-0.86%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	43.00% -0.1% YoY -4.8% QoQ	-33.64%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	Top 5.6% in tier
Non-Interest-Bearing Deposit Share ?	18.72% -3.0% YoY +1.7% QoQ	-3.30%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.01% -94.0% YoY -51.9% QoQ	-0.63%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	Top 14.2% in tier
Tier 1 Capital Ratio ?	20.86% -3.8% YoY +0.2% QoQ	+5.03%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	Top 11.8% in tier
Non-Interest Income / Assets ?	0.19% -12.2% YoY -76.7% QoQ	-0.09%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

149

Loan-to-Deposit Ratio

liquidity

Value: 43.00%

Peer Median: 76.64%

#149 of 2664 Top 5.6% in $100M-$1B

315

Tier 1 Capital Ratio

capital

Value: 20.86%

Peer Median: 15.83%

#315 of 2664 Top 11.8% in $100M-$1B

378

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#378 of 2664 Top 14.2% in $100M-$1B

432

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#432 of 2664 Top 16.2% in $100M-$1B

448

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#448 of 2654 Top 16.8% in $100M-$1B

487

Total Deposits

size

Value: $524.05M

Peer Median: $327.97M

#487 of 2664 Top 18.2% in $100M-$1B

560

Total Assets

size

Value: $582.22M

Peer Median: $386.08M

#560 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (1 metrics)

2570

Net Interest Margin

profitability

Value: 2.56%

Peer Median: 3.93%

#2570 of 2664 Bottom 3.6% in $100M-$1B