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The Peoples Bank
Ripley, MS · FDIC Certificate #15871 · Chartered 03/0
Total assets
$581.80M
Total deposits
$522.61M
Total equity
$52.12M
Net loans
$236.33M
Branches (offices)
6
Net income (YTD)
$2.86M
Rank: #1,593 of 4,213 U.S. banks by assets · #21 of 57 in Mississippi. Assets changed 5.4% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 11.13% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 8.96% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 45.2% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.64M | 77.3% | |
| Commercial & industrial | $25.23M | 10.7% | |
| Consumer / individual | $19.80M | 8.4% | |
| Construction & development | $7.11M | 3.0% | |
| Agricultural | $3.08M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $531.88M | $487.49M | $2.57M | $35.08M |
| Jun 2023 | $508.17M | $461.34M | $2.55M | $37.06M |
| Jun 2024 | $508.51M | $459.50M | $2.60M | $41.26M |
| Jun 2025 | $551.99M | $497.02M | $2.19M | $47.29M |
| Jun 2026 | $581.80M | $522.61M | $2.86M | $52.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $522.61M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $522.61M.
Similar-sized banks
Bank Of The Valley ($581.92M) · Cottonport Bank ($581.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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