BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Commercial
MS
FDIC cert 9366
Designations: ✓ Community bank
Mendenhall, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Peoples Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.99% above tier
- + Net Interest Margin 3.21% above tier
- + Non-Interest Income / Assets 2.28% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.13% above tier
- - Nonperforming Asset Ratio 2.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$484.6M
+6.7% YoY
+3.2% QoQ
|
+$267.1M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$386.6M
+7.8% YoY
+5.3% QoQ
|
+$247.4M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$402.2M
+0.6% YoY
-2.4% QoQ
|
+$218.5M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
3.07%
-16.9% YoY
+5.1% QoQ
|
+1.99% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
7.06%
-4.2% YoY
+1.3% QoQ
|
+3.21% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
59.26%
+0.6% YoY
-0.9% QoQ
|
-8.47% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
3.77%
-27.0% YoY
-7.6% QoQ
|
+3.13% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
96.12%
+7.1% YoY
+7.8% QoQ
|
+21.59% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.40%
-1.2% YoY
-1.8% QoQ
|
-1.99% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
3.17%
-26.7% YoY
-16.8% QoQ
|
+2.71% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.82%
+4.7% YoY
-2.3% QoQ
|
+6.97% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
2.84%
-12.5% YoY
+29.4% QoQ
|
+2.28% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.06%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.84%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.77%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.17%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Net Interest Margin
Current: 7.06% · Tier avg: 3.85%
99
99th pctile
Total Loans
Current: $386.6M · Tier avg: $139.2M
99
99th pctile
Return on Assets
Current: 3.07% · Tier avg: 1.08%
98
98th pctile
Total Assets
Current: $484.6M · Tier avg: $217.5M
98
98th pctile
Non-Interest Income / Assets
Current: 2.84% · Tier avg: 0.56%
97
97th pctile
Total Deposits
Current: $402.2M · Tier avg: $183.7M
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.12% · Tier avg: 74.53%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.82% · Tier avg: 8.85%
69
69th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 67.73%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.40% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.77% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.77% · Tier avg: 0.64%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.40% · Tier avg: 22.39%
69
69th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 67.73%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.82% · Tier avg: 8.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.12% · Tier avg: 74.53%
97
97th pctile
Total Deposits
Current: $402.2M · Tier avg: $183.7M
98
98th pctile
Non-Interest Income / Assets
Current: 2.84% · Tier avg: 0.56%
98
98th pctile
Total Assets
Current: $484.6M · Tier avg: $217.5M
99
99th pctile
Return on Assets
Current: 3.07% · Tier avg: 1.08%
99
99th pctile
Total Loans
Current: $386.6M · Tier avg: $139.2M
100
100th pctile
Net Interest Margin
Current: 7.06% · Tier avg: 3.85%