Peoples Bank
Mendenhall, MS · Cert 9366 · Peer group: banks under $1B in assets (n=570-617) · Peoples Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$503.5MAssets
$392.9MLoans
$445.0MDeposits
$56.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets (rank 5 of 617).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets (rank 549 of 570).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.07%
Rank 39 of 617
Net Interest Margin
6.05%
Rank 5 of 617
Efficiency Ratio
55.29%
Rank 120 of 617
Equity / Assets
11.19%
Rank 264 of 617
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 81% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.07% | 0.60% | 1.01% | 1.45% | Beats 94% | 39 / 617 | |
| Return on Equity | 27.40% | 5.30% | 9.43% | 13.30% | Beats 98% | 15 / 617 | |
| Net Interest Margin | 6.05% | 3.04% | 3.54% | 4.05% | Beats 99% | 5 / 617 | |
| Efficiency Ratio | 55.29% | 58.03% | 67.76% | 79.08% | Beats 81% | 120 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.28% | 0.09% | 0.47% | 1.27% | Beats 4% | 549 / 570 | |
| Net Charge-Offs / Loans | 0.22% | n/a | 0.01% | 0.06% | Beats 8% | 527 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 15.25% | 11.18% | 13.83% | 18.55% | Beats 62% | 237 / 617 | |
| Total Risk-Based Capital Ratio | 16.50% | 11.56% | 14.39% | 19.39% | Beats 64% | 221 / 617 | |
| Equity / Assets | 11.19% | 9.03% | 10.55% | 13.63% | Beats 57% | 264 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 88.29% | 64.77% | 79.70% | 93.06% | 66th pctl | 198 / 582 | |
| Loans / Assets | 78.03% | 51.70% | 67.18% | 77.51% | 76th pctl | 150 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |