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Peoples Bank

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

Mendenhall, MS

5 branches across MS · SC

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 +7.9% year over year ($445.0M on the books).
  • Delinquency rate 4.34%.
  • Return on assets 3.96%.
  • Efficiency ratio 55.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.95% 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) →

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

  • + Profitability Leader: Top 4.5% in tier
  • + Revenue Diversifier: Top 5.0% in tier
  • + Deposit Franchise: Top 55.8% in tier
  • + Efficiency Ratio 9.19% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.43% above tier average
  • - Nonperforming Asset Ratio 2.73% above tier average
Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $503.5M
+7.2% YoY +0.0% QoQ
+$116.9M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $386.9M
+6.8% YoY -3.6% QoQ
+$128.6M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $445.0M
+7.9% YoY +5.9% QoQ
+$118.3M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 3.96%
+50.5% YoY +39.6% QoQ
+2.63% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Top 0.7% in tier
Net Interest Margin ? 6.63%
-4.2% YoY +2.2% QoQ
+2.64% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 0.8% in tier
Efficiency Ratio ? 55.29%
-8.0% YoY -7.9% QoQ
-9.19% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 4.34%
-5.2% YoY -4.0% QoQ
+3.43% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
Bottom 3.3% in tier
Loan-to-Deposit Ratio ? 86.95%
-1.0% YoY -9.0% QoQ
+9.00% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 29.22%
+32.8% YoY +38.4% QoQ
+7.19% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 3.40%
-14.3% YoY -9.7% QoQ
+2.73% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
Bottom 2.6% in tier
Tier 1 Capital Ratio ? 15.25%
-7.8% YoY +5.4% QoQ
-0.66% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 1.79%
+22.7% YoY +149.5% QoQ
+1.22% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 1.9% 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 29.2%
+7.2pp YoY
+8.1pp QoQ
 +7.1pp 22.1% 23.1% 22.2% 80%
Brokered Deposits 3.4%
+1.4pp YoY
+0.5pp QoQ
 -4.4pp 7.9% 3.8% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 16.9%
-1.3pp YoY
+0.2pp QoQ
 +5.3pp 11.6% 12.4% 12.5% 82%
CRE 51.7%
+1.6pp YoY
-0.7pp QoQ
 +12.1pp 39.5% 42.3% 41.4% 73%
1-4 Family 15.5%
+0.3pp YoY
+1.4pp QoQ
 -17.1pp 32.6% 33.1% 31.3% 20%
Consumer 4.0%
-0.1pp YoY
+0.4pp QoQ
 -0.1pp 4.1% 5.6% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio 15.2%
-1.3pp YoY
+0.8pp QoQ
 -3.6pp 18.8% 16.5% 19.7% 52%
Leverage Ratio 11.7%
-1.1pp YoY
+0.8pp QoQ
 -0.5pp 12.2% 11.9% 12.6% 61%
Total Capital Ratio 16.5%
-1.3pp YoY
+0.8pp QoQ
 -3.4pp 19.9% 17.7% 20.8% 53%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 137
-8 (-5.5%) YoY
-1 (-0.7%) QoQ
 +78 58 297 482 96%
Assets per Employee ($) $3.7M
+13.5% YoY
+0.8% QoQ
 -$3.8M $7.5M $6.2M $8.8M 3%
Branch Count 5
-1 (-16.7%) YoY
-1 (-16.7%) QoQ
 0 4 22 18 55%

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% 9%
Nonaccrual 4.3%
-0.2pp YoY
-0.2pp QoQ
 +3.4pp 0.9% 0.9% 1.0% 97%
Allowance Coverage 0.35x
+5.2% YoY
+3.8% QoQ
 -23.80x 24.15x 4.87x 20.23x 5%
Net Charge-off Rate (YTD) 0.3%
-1.0pp YoY
-0.1pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 36.1%
+13.4pp YoY
+10.0pp QoQ
 +23.9pp 12.2% 11.7% 11.6% 99%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 61%
Net Income ($, YTD) $9.8M
+62.6% YoY
— QoQ
 +$7.3M $2.6M $13.8M $40.4M 99%

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 (3)

Profitability Leader

growth
#31 of 661 • Top 4.5% in tier

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

Why this signature
Return on Assets: 3.96%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#34 of 661 • Top 5.0% 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: 1.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 3.96%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#156 of 278 • Top 55.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.22%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.63%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

19
Return on Assets
profitability
Value: 3.96%
Peer Median: 1.32%
#19 of 2643 Top 0.7% in $100M-$1B
21
Net Interest Margin
profitability
Value: 6.63%
Peer Median: 3.99%
#21 of 2643 Top 0.8% in $100M-$1B
51
Non-Interest Income / Assets
revenue_mix
Value: 1.79%
Peer Median: 0.57%
#51 of 2643 Top 1.9% in $100M-$1B
535
Non-Interest-Bearing Deposit Share
funding
Value: 29.22%
Peer Median: 22.03%
#535 of 2643 Top 20.2% in $100M-$1B
590
Total Loans
size
Value: $386.94M
Peer Median: $258.35M
#590 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2574
Nonperforming Asset Ratio
credit_quality
Value: 3.40%
Peer Median: 0.67%
#2574 of 2643 Bottom 2.6% in $100M-$1B
2547
Delinquency Rate
credit_quality
Value: 4.34%
Peer Median: 0.92%
#2547 of 2633 Bottom 3.3% in $100M-$1B
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