BlastPoint's Banking Scorecard

The Peoples Bank, Biloxi, Mississippi

$100M-$1B Specialty: Other MS FDIC cert 340

Biloxi, MS

18 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 -5.4% year over year ($610.1M on the books).
Delinquency rate 0.18%.
Return on assets 0.67%.
Efficiency ratio 78.53% vs a 64.48% peer average.
Loan-to-deposit ratio 44.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

The Peoples Bank, Biloxi, Mississippi has 1 strength but faces 4 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

+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 26.5% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.90% below tier average
- Efficiency Ratio 14.05% above tier average

Get updates when The Peoples Bank, Biloxi, Mississippi releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$770.7M +1.3% YoY -2.2% QoQ	+$384.1M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Top 9.5% in tier
Total Loans ?	$274.1M +11.7% YoY +3.1% QoQ	+$15.7M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$610.1M -5.4% YoY -8.4% QoQ	+$283.4M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Top 11.5% in tier
Return on Assets ?	0.67% -1.5% YoY -17.1% QoQ	-0.65%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.09% +3.0% YoY -8.1% QoQ	-0.90%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	Bottom 12.4% in tier
Efficiency Ratio ?	78.53% +2.6% YoY +5.6% QoQ	+14.05%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	15%
Delinquency Rate ?	0.18% -28.7% YoY -8.9% QoQ	-0.74%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	44.92% +18.0% YoY +12.7% QoQ	-33.03%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 6.0% in tier
Non-Interest-Bearing Deposit Share ?	29.02% +11.2% YoY +3.0% QoQ	+6.99%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.06% -21.3% YoY -3.9% QoQ	-0.61%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	15.22% +8.9% YoY +7.5% QoQ	-0.69%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.48% +4.1% YoY +110.6% QoQ	-0.09%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 10.2% in tier

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	29.0% +2.9pp YoY +0.8pp QoQ	+6.9pp	22.1%	23.1%	22.2%	79%
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	6.0% +0.7pp YoY +0.2pp QoQ	-5.5pp	11.6%	12.4%	12.5%	26%
CRE	60.4% +1.0pp YoY +0.3pp QoQ	+20.8pp	39.5%	42.3%	41.4%	85%
1-4 Family	31.0% -0.8pp YoY -0.3pp QoQ	-1.6pp	32.6%	33.1%	31.3%	54%
Consumer	2.7% 0.0pp YoY -0.3pp QoQ	-1.4pp	4.1%	5.6%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	15.2% +1.2pp YoY +1.1pp QoQ	+3.0pp	12.2%	11.9%	12.6%	88%
Total Capital Ratio	n/a	n/a	19.9%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	132 -2 (-1.5%) YoY -3 (-2.2%) QoQ	+73	58	297	482	95%
Assets per Employee ($)	$5.8M +2.8% YoY 0.0% QoQ	-$1.7M	$7.5M	$6.2M	$8.8M	30%
Branch Count	18 0 YoY 0 QoQ	+13	4	22	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	28%
Allowance Coverage	6.38x +31.2% YoY +6.4% QoQ	-17.77x	24.15x	4.87x	20.23x	75%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	5.1% -0.9pp YoY -1.0pp QoQ	-7.1pp	12.2%	11.7%	11.6%	14%
Cost of Funds (YTD)	1.1% +0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	14%
Net Income ($, YTD)	$2.5M -8.5% YoY — QoQ	-$9K	$2.6M	$13.8M	$40.4M	63%

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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 (1)

Flatlined Growth

risk

#141 of 529 • Bottom 26.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.67%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

159

Loan-to-Deposit Ratio

liquidity

Value: 44.92%

Peer Median: 77.95%

#159 of 2643 Top 6.0% in $100M-$1B

252

Total Assets

size

Value: $770.66M

Peer Median: $386.57M

#252 of 2643 Top 9.5% in $100M-$1B

270

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.57%

#270 of 2643 Top 10.2% in $100M-$1B

305

Total Deposits

size

Value: $610.14M

Peer Median: $326.73M

#305 of 2643 Top 11.5% in $100M-$1B

549

Non-Interest-Bearing Deposit Share

funding

Value: 29.02%

Peer Median: 22.03%

#549 of 2643 Top 20.7% in $100M-$1B

616

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#616 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2316

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.99%

#2316 of 2643 Bottom 12.4% in $100M-$1B

2237

Efficiency Ratio

profitability

Value: 78.53%

Peer Median: 64.48%

#2237 of 2643 Bottom 15.4% in $100M-$1B

2179

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.32%

#2179 of 2643 Bottom 17.6% in $100M-$1B