The Peoples Bank (FDIC certificate #15871) is based in Ripley, Mississippi. Its Q2 2026 call report shows $581.8M in total assets and $522.6M in deposits and 6 offices.
Based on its Q2 2026 filing, The Peoples Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 23rd. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (52/100; 10.25%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 76 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 76 |
| Q4 2025 | 75 |
| Q1 2026 | 76 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.88% |
| Q3 2024 | 10.94% |
| Q4 2024 | 10.54% |
| Q1 2025 | 10.80% |
| Q2 2025 | 10.64% |
| Q3 2025 | 10.72% |
| Q4 2025 | 10.41% |
| Q1 2026 | 10.42% |
| Q2 2026 | 10.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.34% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.87% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $581.8M | 10.25% | 0.34% | 1.00% | 45.2% |
| Q1 2026 | 76 | $582.2M | 10.42% | 0.03% | 1.03% | 43.0% |
| Q4 2025 | 75 | $555.8M | 10.41% | 0.05% | 0.87% | 45.2% |
| Q3 2025 | 76 | $563.9M | 10.72% | 0.03% | 0.90% | 43.2% |
| Q2 2025 | 71 | $552.0M | 10.64% | 0.42% | 0.81% | 42.9% |
| Q1 2025 | 71 | $541.9M | 10.80% | 0.45% | 0.72% | 43.1% |
| Q4 2024 | 76 | $523.5M | 10.54% | 0.03% | 0.89% | 43.8% |
| Q3 2024 | 78 | $523.4M | 10.94% | 0.04% | 1.00% | 43.9% |
| Q2 2024 | 77 | $508.5M | 10.88% | 0.14% | 1.03% | 43.8% |
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 |
|---|---|---|---|---|---|
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
| Century BankBank Lucedale, MS | 69 out of 100, Moderate | $566.2M | 10.1% | 0.60% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| First Choice BankBank Pontotoc, MS | 61 out of 100, Moderate | $561.0M | 9.5% | 0.31% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
Deposit insurance
Is my money safe at The Peoples Bank?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #15871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.5% of deposits ($159.2M) 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 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.72% (benchmark: 10%).
6 locations
Branches
The Peoples Bank lists 2 offices in 2 cities. Most locations:
- Ripley, MS (1)
- Walnut, MS (1)
Identity & history
Profile
- Legal name
- The Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15871
- RSSD ID
- 593249
- Primary regulator
- FDIC
- Holding company
- Peoples Corp the
- Established
- March 3, 1925
- Headquarters
- 305 E Jefferson St, Ripley, MS 38663
- Website
- www.peoplesripley.com
- Employees
- 78
Quick answers
The Peoples Bank: common questions
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #15871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Peoples Bank ever failed?
There is no failure record for FDIC certificate #15871 in the FDIC failed bank list.
How many branches does The Peoples Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ripley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| Fort Financial Federal Credit UnionCredit union Fort Wayne, IN | 76 out of 100, Strong | $397.3M | 11.8% | 0.50% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| Unity Bank of MississippiBank Holly Springs, MS | 61 out of 100, Moderate | $281.8M | 11.0% | 0.80% | vs |