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The Peoples Bank, Biloxi, Mississippi
Biloxi, MS · FDIC Certificate #340 · Chartered 04/1
Total assets
$770.66M
Total deposits
$610.14M
Total equity
$100.83M
Net loans
$274.06M
Branches (offices)
18
Net income (YTD)
$2.55M
Rank: #1,294 of 4,213 U.S. banks by assets · #19 of 57 in Mississippi. Assets changed 1.3% and deposits -5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 5.07% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 13.08% |
| Tier 1 leverage ratio | 15.22% |
| Uninsured deposits (share of deposits) | 48.3% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | -0.12% |
| Loans to deposits | 44.9% |
| Real estate loans (share of loans) | 91.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $250.61M | 91.4% | |
| Commercial & industrial | $16.49M | 6.0% | |
| Consumer / individual | $7.45M | 2.7% | |
| Construction & development | $33.02M | 12.0% | |
| Agricultural | $9.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $863.88M | $779.55M | $2.19M | $55.37M |
| Jun 2023 | $895.32M | $810.66M | $5.85M | $63.85M |
| Jun 2024 | $846.38M | $675.84M | $5.08M | $72.76M |
| Jun 2025 | $760.97M | $644.63M | $2.78M | $95.67M |
| Jun 2026 | $770.66M | $610.14M | $2.55M | $100.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $610.14M | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $610.14M.
Similar-sized banks
Itasca Bank & Trust Co. ($770.77M) · Schertz Bank & Trust ($770.13M)
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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