FDIC Cert #340 · Biloxi, Mississippi · Est. 1896

The Peoples Bank, Biloxi, Mississippi - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$727M
Total assets
B
Health grade · Good
0.53%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

The Peoples Bank, Biloxi, Mississippi earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.76% Tier 1, 0.53% ROA, 81% efficiency ratio.

#1,348
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
15.76%
Tier 1 ratio - above the 10% well-capitalized line
17th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 340 · MS B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2604/4307
  • PHOTO-FINISH Clinton Bank · KY
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-THIN 0.53% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Clinton Bank, KY (±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 The Peoples Bank, Biloxi, Mississippi

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Cave City · AR · near74/100Clinton Bank · KY · near74/100Ireland Bank · ID · near74/100The Peoples Bank, Bi… · MS ·…74/100The State Bank of Ge… · IL ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Peoples Bank, Biloxi, Mississippi · July 2026

What The Peoples Bank, Biloxi, Mississippi's Call Report plate shows

The Peoples Bank, Biloxi, Mississippi (FDIC Cert #340) carries a PlainBankData health grade of B at 74/100, 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 #2,604 of 4,307. Tier 1 capital prints at 15.76%, clearing the 10% well-capitalized line. The Texas Ratio is 0.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.53%. Balance-sheet scale is $727M, 1,348th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Clinton Bank (KY), 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 The Peoples Bank, Biloxi, Mississippi

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

The Peoples Bank, Biloxi, Mississippi'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; The Peoples Bank, Biloxi, Mississippi 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 The Peoples Bank, Biloxi, Mississippi's 74/100 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 avg77/10074/100
The Peoples Bank, Biloxi, Mississippi's composite health score
Tier 1 Capital Ratio (15.76%) 40/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (0.52%) 20/20
Efficiency Ratio (81.23%) 0/15

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

Balance sheet at a glance

Total Assets

$727M

Total balance-sheet footings

Total Deposits

$605M

Customer-funded liabilities

Net Loans

$261M

Outstanding loan book

Net Income

$4M

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.) 14.36% 15.76% 17.16%
Basel III capital ratios - The Peoples Bank, Biloxi, Mississippi

Where The Peoples Bank, Biloxi, Mississippi ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Peoples Bank, Biloxi, Mississippi's score of 74/100 falls in the highlighted band.

The Peoples Bank, Biloxi, Mississippi: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 40th percentile higher than 40% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Peoples Bank, Biloxi, Mississippi 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

The Peoples Bank, Biloxi, Mississippi'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). The Peoples Bank, Biloxi, Mississippi's $727M falls in the highlighted band.

Safety ratios for The Peoples Bank, Biloxi, Mississippi

Tier 1 capital ratio
Well-capitalized 10%

15.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.76%
Texas Ratio
0.52%
Equity Capital
$100M

What these ratios mean →

Profitability metrics: The Peoples Bank, Biloxi, Mississippi

Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
4.39%
Efficiency Ratio
81.23%

What these mean →

Income & expense at The Peoples Bank, Biloxi, Mississippi

$29M
Interest Income
$7M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Peoples Bank, Biloxi, Mississippi reports a Texas Ratio of 0.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Peoples Bank, Biloxi, Mississippi 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 ($727M here), outside Mississippi so the neighborhood is not state containment.

Bank of Sun Prairie $726M · WI Lake Shore Bank $728M · NY Barwick Banking Company $728M · GA Harford Bank $728M · MD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Peoples Bank, Biloxi, Mississippi (FDIC Cert #340) - 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.

The Peoples Bank, Biloxi, Mississippi 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%