BlastPoint's Banking Scorecard
The Peoples Bank
Community
Specialty: Other
MS
FDIC cert 15871
Ripley, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
The Peoples Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25% in Community
- + Loan-to-Deposit Ratio 37.90% below tier
- + Nonperforming Asset Ratio 0.48% below tier
- + Tier 1 Capital Ratio 10.57% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Credit Risk Growth: Bottom 33% in Community
- - Net Interest Margin 1.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$555.8M
+6.2% YoY
-1.4% QoQ
|
-$835.7M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$224.9M
+8.4% YoY
+2.9% QoQ
|
-$750.6M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$497.9M
+5.1% YoY
-1.5% QoQ
|
-$666.7M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.87%
-2.1% YoY
-3.3% QoQ
|
-0.29% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.43%
+7.6% YoY
+2.4% QoQ
|
-1.23% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
62.31%
-4.0% YoY
+2.8% QoQ
|
-0.32% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.05%
+99.1% YoY
+55.2% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
45.16%
+3.1% YoY
+4.5% QoQ
|
-37.90% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.41%
-0.5% YoY
+0.4% QoQ
|
-2.64% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.02%
+103.3% YoY
+62.1% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
20.81%
-2.3% YoY
-3.3% QoQ
|
+10.57% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.81%
-27.3% YoY
+33.4% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#95 of 371 · Top 25% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
45.16%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.81%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Quality Pressure
risk
#42 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#211 of 642 · Bottom 33% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.43%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.16% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.81% · Tier avg: 10.24%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
49
49th pctile
Efficiency Ratio
Current: 62.31% · Tier avg: 62.63%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.41% · Tier avg: 21.05%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
13
13th pctile
Total Deposits
Current: $497.9M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $555.8M · Tier avg: $1.4B
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
2
2th pctile
Total Loans
Current: $224.9M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $224.9M · Tier avg: $975.5M
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
8
8th pctile
Total Assets
Current: $555.8M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $497.9M · Tier avg: $1.2B
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.41% · Tier avg: 21.05%
49
49th pctile
Efficiency Ratio
Current: 62.31% · Tier avg: 62.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
87
87th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.81% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.16% · Tier avg: 83.06%