FDIC Cert #9366 · Mendenhall, Mississippi · Est. 1908

Peoples Bank - FDIC Bank Health Profile

A community-scale look at Peoples Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$485M
Total assets
A
Health grade · Excellent
3.07%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 15.82% Tier 1, profitable at 3.07% ROA, efficient (59% cost ratio).

#1,825
largest of 4,313 FDIC banks by assets
58th
percentile by asset size, nationally
15.82%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 9366 · MS A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1243/4307
  • PHOTO-FINISH Peoples Bank · LA
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-HEALTHY 23.7% Texas
  • ROA-STRONG 3.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Peoples Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank · FL · near87/100Peoples Bank · LA · near87/100Peoples Bank · MS · this bank87/100Rushville State Bank · IL · …87/100The North Side Bank… · OH · …87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Bank · July 2026

What Peoples Bank's Call Report plate shows

Peoples Bank (FDIC Cert #9366) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,243 of 4,307. Tier 1 capital prints at 15.82%, clearing the 10% well-capitalized line. The Texas Ratio is 23.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.07%. Balance-sheet scale is $485M, 1,825th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Peoples Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Peoples Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Peoples Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Peoples Bank's composite health score
Tier 1 Capital Ratio (15.82%) 40/40
Return on Assets (ROA) (3.07%) 25/25
Texas Ratio (23.68%) 10/20
Efficiency Ratio (59.26%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$485M

Total balance-sheet footings

Total Deposits

$402M

Customer-funded liabilities

Net Loans

$387M

Outstanding loan book

Net Income

$14M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.42% 15.82% 17.22%
Basel III capital ratios - Peoples Bank

Where Peoples Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank's score of 87/100 falls in the highlighted band.

Peoples Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 29% higher than 71% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Peoples Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Bank's $485M falls in the highlighted band.

Safety ratios for Peoples Bank

Tier 1 capital ratio
Well-capitalized 10%

15.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.82%
Texas Ratio
23.68%
Equity Capital
$56M

What these ratios mean →

Earnings posture at Peoples Bank

Return on Assets (ROA)
98th percentile nationally
3.07%
Return on Equity (ROE)
26.51%
Efficiency Ratio
59.26%

What these mean →

Income & expense at Peoples Bank

$38M
Interest Income
$14M
Non-Interest Income
$26M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank reports a Texas Ratio of 23.68% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($485M here), outside Mississippi so the neighborhood is not state containment.

Jewett City Savings Bank $485M · CT Casey State Bank $484M · IL Bank of Commerce $484M · KS American Commerce Bank $485M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank (FDIC Cert #9366) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Peoples Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%