Peoples Bank
Mendenhall, MS · Cert 9366 · Peer group: banks under $1B in assets (n=581-629) · 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 629).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets (rank 559 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.07%
Rank 41 of 629
Net Interest Margin
6.05%
Rank 5 of 629
Efficiency Ratio
55.29%
Rank 122 of 629
Equity / Assets
11.19%
Rank 274 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.07% | 0.60% | 1.01% | 1.45% | Beats 93% | 41 / 629 | | |
| Return on Equity | 27.40% | 5.38% | 9.30% | 13.28% | Beats 97% | 17 / 629 | | |
| Net Interest Margin | 6.05% | 3.03% | 3.54% | 4.05% | Beats 99% | 5 / 629 | | |
| Efficiency Ratio | 55.29% | 58.35% | 67.79% | 79.08% | Beats 81% | 122 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.28% | 0.09% | 0.46% | 1.20% | Beats 4% | 559 / 581 | | |
| Net Charge-Offs / Loans | 0.22% | n/a | 0.01% | 0.06% | Beats 8% | 534 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.25% | 11.24% | 13.84% | 18.77% | Beats 62% | 242 / 629 | | |
| Total Risk-Based Capital Ratio | 16.50% | 11.58% | 14.43% | 19.66% | Beats 64% | 227 / 629 | | |
| Equity / Assets | 11.19% | 9.09% | 10.65% | 13.80% | Beats 56% | 274 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.29% | 67.24% | 80.90% | 93.48% | 65th pctl | 207 / 594 | | |
| Loans / Assets | 78.03% | 53.31% | 67.71% | 78.15% | 74th pctl | 162 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |