BlastPoint's Banking Scorecard
The Peoples Bank, Biloxi, Mississippi
Community
Specialty: Other
MS
FDIC cert 340
Biloxi, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
The Peoples Bank, Biloxi, Mississippi faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1% in Community
- - Deposit Outflow: Bottom 1% in Community
- - Capital Thin: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 12% in Community
- - Loan-to-Deposit Ratio 39.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$726.7M
-12.6% YoY
-4.1% QoQ
|
-$664.7M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$260.8M
+13.1% YoY
+4.4% QoQ
|
-$714.7M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$604.8M
-16.1% YoY
-5.2% QoQ
|
-$559.8M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.53%
-79.7% YoY
-7.0% QoQ
|
-0.63% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.85%
-5.9% YoY
-0.8% QoQ
|
-0.81% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
81.23%
+13.7% YoY
+1.7% QoQ
|
+18.60% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.20%
+12.8% YoY
-42.8% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
43.12%
+34.8% YoY
+10.1% QoQ
|
-39.94% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.59%
-12.4% YoY
+6.0% QoQ
|
+7.54% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.07%
+45.9% YoY
-37.8% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.98%
+16.6% YoY
+38.0% QoQ
|
+0.24% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Efficiency Drag
risk
#2 of 152 · Bottom 1% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.23%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Deposit Outflow
decline
#4 of 248 · Bottom 1% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#7 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Credit Quality Pressure
risk
#100 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
43.12%
(Tier avg: 83.06%, National avg: 78.04%)
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
85
85th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.74%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.59% · Tier avg: 21.05%
69
69th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
29
29th pctile
Total Assets
Current: $726.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Deposits
Current: $604.8M · Tier avg: $1.2B
13
13th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.66%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.23% · Tier avg: 62.63%
3
3th pctile
Total Loans
Current: $260.8M · Tier avg: $975.5M
2
2th pctile
Loan-to-Deposit Ratio
Current: 43.12% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 43.12% · Tier avg: 83.06%
3
3th pctile
Total Loans
Current: $260.8M · Tier avg: $975.5M
9
9th pctile
Efficiency Ratio
Current: 81.23% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.66%
28
28th pctile
Total Deposits
Current: $604.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Assets
Current: $726.7M · Tier avg: $1.4B
69
69th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.59% · Tier avg: 21.05%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.74%