# PEOPLES BANK
RIPLEY, MS · FDIC certificate 15871 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $581.8M | |
| Deposits | $522.6M | |
| Loans and leases | $239.7M | |
| Total equity | $52.1M | |
| Loans / deposits | 45.22% (p5 of band) | 82.04% |
| Liquid assets / assets | 54.98% (p95 of band) | |
| Uninsured deposits / deposits | 30.47% (p68 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.79% (p32 of band) | |
| FHLB advances / assets | 0.79% | |
| Tier 1 leverage | 10.25% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -23.62% (p18 of band) | -8.10% |
| AOCI / equity | -1.75% (p10 of band) | |
| ROA (annualized) | 1.00% (p32 of band) | 1.28% |
| Net interest margin | 2.63% (p4 of band) | 3.91% |
| Efficiency ratio | 57.47% (p38 of band) | |
| Noncurrent loans | 0.34% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 406.33% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 13.64% (p18 of band) | |
| Auto loans | $9.3M (3.87% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-27 [Peoples Financial Corporation Announces a Regular Cash Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNc1JyMTBFQ3BhZkxSUlE5My1iLS1KTTBRcC1PV091N0FmNXVna3Z5V3RDbG9IUnhqT0xKQUVTZVRxdGMtWXBjVy15c3M1cFAwaEtzZGc0R1FiWDRqZTZ6WkhUMWstUnVGbTlqOXR6alFfMHB6M1EyU2k1TDIzNDdEU3lab1BHNW5KU3I4cGtKZ1k2Nzlwekh3VXR2Y2drby05dXdhUnhrLUIyM1ZHX1FkeVpFWk5NcTZCOFB2RFJ2TWlsb3E2UnFqU1J1dDBscE1YempfNg?oc=5) · GlobeNewswire
- 2026-02-25 [Peoples Bank promotes Sarah Baughman to Bank Officer and Assistant Branch Manager - MageeNews.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcEt4TF9rM0RHOUU3eVI5REJ5TFRHUWVEbWxpWGN2aEMtUy1XM20wR0xMLXI5Q2YyVTg0djZXcXRZTkROMlRpUmlhYi16YlFONXBFZVJERk9rT0xaeDJuaW94eEFiWWtrbEVFQS1qOGNiTkxnQUpBY0sydThKZHFrY0d1X0VTMng3RTFDNU93dVprb0JwSzZVWjlTMXdSUHNIb0xDZ3QwWdIBrAFBVV95cUxONUpqQjhBc05WWTc3TWpqMTRrNGFIV1B0N3pUSXRfTWZFYlptOUJzWHVQSWQxaW9aT05yc05CcE4xNTUtY0ViQnk3X3BnM1FZR3BKRTlfRVRBaGlSRE9jYVNXSzYyV1BYdU1VVDA4OEtyVXRnMUNWdDRON2V2bDR1TWxOa2w0OTg1dUxqdG9iS0ZPMnlEejBwdGd6VElSbVhRaFFkYWx2a01ZbzlN?oc=5) · MageeNews.com
- 2022-08-15 [Trustmark Completes Sale of Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi - Business Wire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNQjdHVWcyYWM5QV9jaGNQS0dhSndaRlJvaHl6eTlERHJuWXVyZnB3REl5MlFGQkdFRGdLQ2JRVTh2Zy1uZ1ZKb3dYOHRWWk1USDFMNEhEUDI5eWxXX0s2M1Z3aFJ1ZE12YUFYa2tQejNpY0RWREdpUW5hRTA2ai02ajZIX0JpOUZ2U1ZrdWNadGxjZFZJLTk0aTNieFJoendkTUZXM1I4YlVfYmlSUWZ3OXRGMEd2b0JQbUQtUF81aTU3WElSYkZobWk1UHcyS2EyZDFjMWZ5TGUyOVAtbkNJQzZR?oc=5) · Business Wire
- 2025-04-22 [The Peoples Bank of Ripley marks a century of community banking - djournal.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNWmN1LW1zaUJpM1p2ZGJ1dzBONmwzYTM4YXVzcDlZcDhIR1cxdGZ1SnVJb0M2LVlCdERFWlNJdDllXzhfM2tFdkpERFFYRFhqb2xOdGtOSlE2T1o5OE5pSGtCRzZJQWp4NV85QmlVNXNrN1lVQXl2U3hfeUdDZHdtaHd3U1lDRXhKTk0xUTQyaTNxMnlfS21Wc1Bhb2tlUVJBZ0UxNDlRUmg0cFdoRDl2TXA0ZEQyWnplMjlYdEplXzVkbUJFREZsRW1YX21FU1NwZmFxa2c5VzBfMVJtdno3d2s3S01jMjg?oc=5) · djournal.com
- 2019-03-26 [Michael Avenatti fraud case shines a light on bankers, lawyers and money in Biloxi - Sun Herald](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQaDEzMTRiSkNtNHd6dVlCeVdaUF9qX25RVjQ4cGJqWXJxOWdiUl9yQnNJNkVFQjFXRXBhb2E3aV9FTXFhVHZfYmVqS1YzRHBPVk45Mm5rdUNab2dTVFUtb1ZZLTJPOFl3R1l3aVJPaVFUYUlQSU5CTlktb1pKSmRneGd3NXU4aTd4Qjhv0gGLAUFVX3lxTE9XZDdpdkhNUGhHcm1kdXpUNkx1RklMQmZ5Z3cxSEQ4YVMtRGhxSkZ6Q3Nxc0pTaTRpaE14a0VQMnJxalBSOEpCYXh2UFloNFRjbzlMT29MMDVSc2w4eTlYNXNVUWhpTklUYWZtcXFBTXJxN0lxOFpESEdodzR5NEhOMmxwWUV3NWZVRkU?oc=5) · Sun Herald
- 2020-12-23 [Uncle Jack Fultz’s Memories of Carter County: The rise and fall of Peoples Bank - Carter County Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQU1Z6SWdVTGpCMzl5dmNJLU5rR19MWDFYRGNRWGhWcVpQM1VWcEo1X1lzWE9NaHY1VUxEaXo5c1g2ZjJSWmRaVFFVVTNzZ05jM0hUQ3FnUDZaSFpCY1gzYmVQTW9VSERndDExbDhhSF9XTzcwcEg4WEwzeG5lWG5mUkhOSlM2ZmhkVmdicXowSjJXNmZaUDg5ZktKUmhydUtoUkdMUEFFUF9xLUhRWktZT1pCS1pvbV9X?oc=5) · Carter County Times
- 2022-03-21 [Peoples Bank to Buy Trustmark Corporate Trust Arm - Banking Exchange](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeWF0OFR4MU9GQTlRTmhxajlUTjlIcXltQVk0WklCM0VzeDlKMXJDa1R4cEdGLU92QkEtazg3ajEzT01lUFdQNm4telM3a3Jmay1iekI3a1FsT0ZaeHBJUTZiaFg5MTBFQjZUNzQ3NE0tcGdLRTZBYTBDb2p4clFyUjR1a3FZVHdwNm1iUi1OazJMc01fT0hoeFE4ZjJSZTYw?oc=5) · Banking Exchange
- 2021-10-02 [Sid Davis - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBRcWVxYWVDd3VRVW1PS3ZMSmVnNlNuUklLMGVCM2tRYXlhcmRxZVM2U2ZMLTh6MDFXd2hyX0trRENVd0x1WkVaZjBHX2dpNFVGampXT054YWw0NzhiWWpn?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15871 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "15871", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide