# PEOPLES BANK OF THE SOUTH
BUDE, MS · FDIC certificate 34763 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $83.6M | |
| Deposits | $74.5M | |
| Loans and leases | $51.4M | |
| Total equity | $6.8M | |
| Loans / deposits | 67.82% (p47 of band) | 69.26% |
| Liquid assets / assets | 33.62% (p47 of band) | |
| Uninsured deposits / deposits | 3.44% (p9 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.51% (p47 of band) | |
| FHLB advances / assets | 1.51% | |
| Tier 1 leverage | 8.93% (p23 of band) | 10.33% |
| Unrealized securities loss / equity | -13.49% (p7 of band) | -0.53% |
| AOCI / equity | -8.30% (p22 of band) | |
| ROA (annualized) | 0.92% (p60 of band) | 0.77% |
| Net interest margin | 5.29% (p98 of band) | 3.62% |
| Efficiency ratio | 76.79% (p58 of band) | |
| Noncurrent loans | 1.21% (p53 of band) | 1.08% |
| Net charge-offs (annualized) | -0.03% (p9 of band) | |
| Reserve coverage of noncurrent | 135.10% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 11.29% (p42 of band) | |
| Auto loans | $3.9M (7.52% of loans; DQ 1.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | expense ratio p90, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |

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

- 2026-07-13 [Anderson County Fair 2026 — The Best - WYSH AM 1380](https://news.google.com/rss/articles/CBMibkFVX3lxTE5MY0tZRmpQX3FZNXEzelFoa2VxelUyZ3BjbVNNZUVxUFZlZlVid1ZXZnJtTm5BdWJ5dFBtV1pEb1ROT3I0LXdmRHR2SVBoU2pqdG5hWVRvOWVpZUNXTGJ5VmpQdnNiaGtYdTR5TXRB?oc=5) · WYSH AM 1380
- 2022-11-21 [Community Banks with the Highest Returns on Average Assets (Sep. 30, 2022) - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQN0FfZ196RmlCc0FsOXYwaW9hal83RWRNbHI0MzBUSkhqV2d3WTVwbGpwakQ4Vld1OENfdjlKQ2F1c3VfbkxrZmJNVllOTm02dDZEQXhhdW85YVAzOG5uWE5xYk5oRlVEVHlGcDFEQ0NTUDFfZDdtdHdjMTBEVFNUaHhrT081YWlPalh0STZiNWJlRFlQTXluNTgxeEVISGRBdUhrZ0FDLWJjZw?oc=5) · American Banker
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34763 (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/11.json (key "34763", 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