Total Assets
$556M
Total balance-sheet footings
FDIC Cert #15871 · Ripley, Mississippi · Est. 1925
The Peoples Bank - FDIC Bank Health Profile
A community-scale look at The Peoples Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $556M
- Total assets
- A
- Health grade · Excellent
- 0.87%
- Return on assets
- 20.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Peoples Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 20.81% Tier 1, 0.87% ROA, 62% efficiency ratio.
- #1,661
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 20.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- 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 15871 · MS A · 82/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-A A (82/100)
- MID-PACK #1766/4307
- PHOTO-FINISH Security State Bank… · TX
- TIER1-WELL 20.8% Tier 1
- TEXAS-CLEAN 0.2% Texas
- ROA-PAR 0.87% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Mississippi: Security State Bank & Trust, TX (±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
Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.
What The Peoples Bank's Call Report plate shows
The Peoples Bank (FDIC Cert #15871) carries a PlainBankData health grade of A at 82/100, 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 #1,766 of 4,307. Tier 1 capital prints at 20.81%, clearing the 10% well-capitalized line. The Texas Ratio is 0.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $556M, 1,661st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security State Bank & Trust (TX), 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
3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)
The 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; The 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 The Peoples Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (20.81%) 40/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (0.23%) 20/20
Efficiency Ratio (62.31%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$498M
Customer-funded liabilities
Net Loans
$225M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Peoples Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Peoples Bank's score of 82/100 falls in the highlighted band.
The Peoples Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
82 Top 41% higher than 59% of 4,307 FDIC-insured banks
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'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's $556M falls in the highlighted band.
Safety ratios for The Peoples Bank
Tier 1 capital ratio
Well-capitalized 10%
20.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.81%
Texas Ratio
0.23%
Equity Capital
$51M
Profitability metrics: The Peoples Bank
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
10.08%
Efficiency Ratio
62.31%
Income & expense at The Peoples Bank
$23M
Interest Income
$5M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Peoples Bank reports a Texas Ratio of 0.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($556M here), outside Mississippi so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Peoples Bank (FDIC Cert #15871) - 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 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 →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |