BlastPoint's Banking Scorecard

Peoples Bank

$100M-$1B Specialty: Commercial MS FDIC cert 9366

Mendenhall, MS

6 branches across MS · SC

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

Peoples Bank has 4 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

+ Revenue Diversifier: Top 5.3% in tier
+ Profitability Leader: Top 20.9% in tier
+ Net Interest Margin 2.55% above tier average
+ Efficiency Ratio 5.26% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.64% above tier average
- Nonperforming Asset Ratio 3.12% above 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 ?	$503.4M +10.2% YoY +3.9% QoQ	+$117.3M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$401.6M +10.3% YoY +3.9% QoQ	+$145.9M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$420.1M +5.2% YoY +4.5% QoQ	+$92.1M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	2.83% +12.2% YoY -7.7% QoQ	+1.57%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	Top 2.6% in tier
Net Interest Margin ?	6.48% -7.6% YoY -8.2% QoQ	+2.55%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 0.8% in tier
Efficiency Ratio ?	60.03% +3.0% YoY +1.3% QoQ	-5.26%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	4.53% -11.5% YoY +20.2% QoQ	+3.64%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	Bottom 2.6% in tier
Loan-to-Deposit Ratio ?	95.59% +4.8% YoY -0.6% QoQ	+18.95%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	21.12% +5.6% YoY +3.5% QoQ	-0.90%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	3.76% -11.9% YoY +18.9% QoQ	+3.12%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	Bottom 1.8% in tier
Tier 1 Capital Ratio ?	11.90% -28.3% YoY -24.8% QoQ	-3.93%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.72% -10.4% YoY -74.7% QoQ	+0.44%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 2.4% 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 (2)

Revenue Diversifier

growth

#36 of 666 • Top 5.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.72%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.83%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#140 of 666 • Top 20.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.83%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (4 metrics)

Net Interest Margin

profitability

Value: 6.48%

Peer Median: 3.93%

#23 of 2664 Top 0.8% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.72%

Peer Median: 0.28%

#64 of 2664 Top 2.4% in $100M-$1B

Return on Assets

profitability

Value: 2.83%

Peer Median: 1.27%

#71 of 2664 Top 2.6% in $100M-$1B

543

Total Loans

size

Value: $401.58M

Peer Median: $255.72M

#543 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (3 metrics)

2617

Nonperforming Asset Ratio

credit_quality

Value: 3.76%

Peer Median: 0.64%

#2617 of 2664 Bottom 1.8% in $100M-$1B

2587

Delinquency Rate

credit_quality

Value: 4.53%

Peer Median: 0.89%

#2587 of 2654 Bottom 2.6% in $100M-$1B

2272

Loan-to-Deposit Ratio

liquidity

Value: 95.59%

Peer Median: 76.64%

#2272 of 2664 Bottom 14.8% in $100M-$1B