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.

From Q2 2025 to Q2 2026, the score rose 3 points (79 → 82), mostly because the capital cushion component improved by 10 points.

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

Yes. The Peoples Bank, Biloxi, Mississippi is an FDIC-insured institution (FDIC certificate #340). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.3% of deposits ($294.9M) 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 15.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

The Peoples Bank, Biloxi, Mississippi lists 17 offices in 12 cities. Most locations:

• Gulfport, MS (4)
• Biloxi, MS (3)
• Bay Saint Louis, MS (1)
• Bay St. Louis, MS (1)
• Diberville, MS (1)
• Gautier, MS (1)
• Long Beach, MS (1)
• Ocean Springs, MS (1)
• Pass Christian, MS (1)
• Saucier, MS (1)
• Waveland, MS (1)
• Wiggins, MS (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 16 consumer complaints about Peoples Financial Corp. to the company (5 in the last 12 months). 100.0% received a timely response. That is 26.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

In 2025, The Peoples Bank, Biloxi, Mississippi reported 138 home-loan applications under HMDA (LEI 254900AVP2JVTYYT3V92): 110 originated ($18,990,000 total), 7 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, 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.

Legal name

The Peoples Bank, Biloxi, Mississippi

Former names

The Peoples Bank of Biloxi

Type

State-chartered bank

FDIC certificate #

340

RSSD ID

870539

Primary regulator

FDIC

Holding company

Peoples Financial Corp

Established

April 13, 1896

Headquarters

152 Lameuse St, Biloxi, MS 39530

Website

www.thepeoples.com

Employees

132