Headquartered in Mendenhall, Mississippi, Peoples Bank is a state-chartered bank with $503.5M in total assets and $445.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1908.
Based on its Q2 2026 filing, Peoples Bank scores 52/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 57th. Its strongest component is earnings (100/100; 3.96%), and its lowest is loan quality (0/100; 4.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (56 → 52), mostly because the capital cushion component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 51 |
| Q1 2025 | 55 |
| Q2 2025 | 56 |
| Q3 2025 | 54 |
| Q4 2025 | 54 |
| Q1 2026 | 48 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.40% |
| Q3 2024 | 11.38% |
| Q4 2024 | 11.53% |
| Q1 2025 | 12.71% |
| Q2 2025 | 12.84% |
| Q3 2025 | 12.24% |
| Q4 2025 | 12.18% |
| Q1 2026 | 10.91% |
| Q2 2026 | 11.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.48% |
| Q3 2024 | 4.19% |
| Q4 2024 | 5.08% |
| Q1 2025 | 5.04% |
| Q2 2025 | 4.51% |
| Q3 2025 | 4.02% |
| Q4 2025 | 3.71% |
| Q1 2026 | 4.46% |
| Q2 2026 | 4.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.14% |
| Q3 2024 | 3.96% |
| Q4 2024 | 3.70% |
| Q1 2025 | 2.53% |
| Q2 2025 | 2.63% |
| Q3 2025 | 2.92% |
| Q4 2025 | 3.07% |
| Q1 2026 | 2.83% |
| Q2 2026 | 3.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $503.5M | 11.72% | 4.28% | 3.96% | 87.0% |
| Q1 2026 | 48 | $503.4M | 10.91% | 4.46% | 2.83% | 95.6% |
| Q4 2025 | 54 | $484.6M | 12.18% | 3.71% | 3.07% | 96.1% |
| Q3 2025 | 54 | $469.4M | 12.24% | 4.02% | 2.92% | 89.1% |
| Q2 2025 | 56 | $469.5M | 12.84% | 4.51% | 2.63% | 87.8% |
| Q1 2025 | 55 | $456.8M | 12.71% | 5.04% | 2.53% | 91.2% |
| Q4 2024 | 51 | $454.0M | 11.53% | 5.08% | 3.70% | 89.7% |
| Q3 2024 | 52 | $457.9M | 11.38% | 4.19% | 3.96% | 87.4% |
| Q2 2024 | 53 | $465.9M | 11.40% | 3.48% | 4.14% | 87.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Columbia, MS | 90 out of 100, Very strong | $466.3M | 13.5% | 0.33% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| First Choice BankBank Pontotoc, MS | 61 out of 100, Moderate | $561.0M | 9.5% | 0.31% | vs |
| RiverHills BankBank Vicksburg, MS | 82 out of 100, Strong | $445.2M | 12.5% | 0.64% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #9366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.2% of deposits ($152.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.50% (benchmark: 10%).
5 locations
Branches
Peoples Bank lists 4 offices in 4 cities. Most locations:
- Collins, MS (1)
- Magee, MS (1)
- Mendenhall, MS (1)
- Richland, MS (1)
HMDA 2025
Mortgage lending
In 2025, Peoples Bank reported 549 home-loan applications under HMDA (LEI 54930032OCUOR526IR93): 374 originated ($84,850,000 total), 85 denied, and 85 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9366
- RSSD ID
- 70638
- Primary regulator
- FDIC
- Holding company
- Peoples Bancshares Inc
- Established
- November 5, 1908
- Headquarters
- 160 E Maud Ave, Mendenhall, MS 39114
- Website
- yourpeoples.bank
- Employees
- 137
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #9366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank ever failed?
There is no failure record for FDIC certificate #9366 in the FDIC failed bank list.
How many branches does Peoples Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mendenhall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Rivertrust Federal Credit UnionCredit union Pearl, MS | 84 out of 100, Strong | $167.8M | 19.3% | 0.60% | vs |
| Copiah BankBank Hazlehurst, MS | 78 out of 100, Strong | $332.2M | 11.8% | 0.19% | vs |
| Pearl Municipal Federal Credit UnionCredit union Pearl, MS | 74 out of 100, Strong | $2.0M | 26.4% | 0.84% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |