Peoples Bank, The
Ripley, MS · Cert 15871 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Corp. the
State charter, non-member · FDIC · 6 branches
Q2 2026
$581.8MAssets
$239.7MLoans
$522.6MDeposits
$52.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets operating in a single state (rank 118 of 746).
- Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 708 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.98%
Rank 418 of 746
Net Interest Margin
2.40%
Rank 708 of 746
Efficiency Ratio
57.67%
Rank 237 of 746
Equity / Assets
8.96%
Rank 548 of 746
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.72% | 1.06% | 1.45% | Beats 44% | 418 / 746 | | |
| Return on Equity | 10.96% | 6.74% | 10.51% | 13.63% | Beats 54% | 341 / 746 | | |
| Net Interest Margin | 2.40% | 3.17% | 3.68% | 4.16% | Beats 5% | 708 / 746 | | |
| Efficiency Ratio | 57.67% | 55.74% | 64.58% | 75.47% | Beats 68% | 237 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.09% | 0.42% | 1.07% | Beats 57% | 324 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 441 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.58% | 11.55% | 13.75% | 17.60% | Beats 84% | 118 / 746 | | |
| Total Risk-Based Capital Ratio | 21.72% | 11.71% | 14.33% | 18.43% | Beats 84% | 118 / 746 | | |
| Equity / Assets | 8.96% | 8.90% | 10.51% | 13.06% | Beats 27% | 548 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.86% | 61.31% | 78.27% | 90.78% | 9th pctl | 677 / 746 | | |
| Loans / Assets | 41.20% | 53.60% | 66.97% | 76.08% | 11th pctl | 665 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |