BlastPoint's Banking Scorecard

The Peoples Bank, Biloxi, Mississippi

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

Biloxi, MS

18 branches across MS

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

The Peoples Bank, Biloxi, Mississippi has 1 strength but faces 3 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 0.69% below tier average

Key Concerns

Areas that may need attention

- ROA 0.46% below tier average
- Net Interest Margin 0.57% below tier average
- Efficiency Ratio 9.05% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$787.9M -9.0% YoY +8.4% QoQ	+$401.8M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	Top 8.6% in tier
Total Loans ?	$265.7M +16.2% YoY +1.9% QoQ	+$10.0M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$666.4M -11.4% YoY +10.2% QoQ	+$338.5M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	Top 8.9% in tier
Return on Assets ?	0.81% +22.8% YoY +51.6% QoQ	-0.46%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.36% +14.4% YoY +17.8% QoQ	-0.57%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	74.34% -2.0% YoY -8.5% QoQ	+9.05%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.19% -11.4% YoY -4.8% QoQ	-0.69%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	39.87% +31.2% YoY -7.5% QoQ	-36.77%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	Top 4.4% in tier
Non-Interest-Bearing Deposit Share ?	28.17% +12.3% YoY -1.5% QoQ	+6.15%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.07% +13.2% YoY -10.5% QoQ	-0.57%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	14.15% +6.2% YoY -10.3% QoQ	-1.68%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.23% +14.9% YoY -77.0% QoQ	-0.05%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 10.8% in tier

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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 (6 metrics)

119

Loan-to-Deposit Ratio

liquidity

Value: 39.87%

Peer Median: 76.64%

#119 of 2664 Top 4.4% in $100M-$1B

229

Total Assets

size

Value: $787.85M

Peer Median: $386.08M

#229 of 2664 Top 8.6% in $100M-$1B

239

Total Deposits

size

Value: $666.43M

Peer Median: $327.97M

#239 of 2664 Top 8.9% in $100M-$1B

290

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#290 of 2664 Top 10.8% in $100M-$1B

619

Non-Interest-Bearing Deposit Share

funding

Value: 28.17%

Peer Median: 22.02%

#619 of 2664 Top 23.2% in $100M-$1B

662

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.64%

#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2038

Efficiency Ratio

profitability

Value: 74.34%

Peer Median: 65.29%

#2038 of 2664 Bottom 23.5% in $100M-$1B

2011

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.93%

#2011 of 2664 Bottom 24.5% in $100M-$1B