The Peoples Bank
Ripley, MS
IDRSSD: 593249
Total Assets
$555.79M
Latest filing
Total Deposits
$497.88M
Latest filing
Net Interest Margin
2.57%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Peoples Bank
305 E Jefferson St
Ripley, MS 38663
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/03/1925FDIC Certificate 10108
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Peoples Bank (Main) | 305 E Jefferson St | Ripley, MS |
| EAST MOTOR BRANCH | 405 E Walnut St | Ripley, MS |
| MCGILL NORTH BRANCH | 1414 Highway 15 North | Ripley, MS |
| RIPLEY BRANCH | 907 City Ave S | Ripley, MS |
| WALNUT BRANCH | 28480 Highway 15 | Walnut, MS |
| BLUE MOUNTAIN BRANCH | 122 Guyton Blvd | Blue Mountain, MS |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/03/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38663 |
| State and County Number | 28139 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/18/1941 |
| Primary Insurance Agency | DIF |
| Website | WWW.PEOPLESRIPLEY.COM |
| Data Updated | 01/30/2026 |
| CERT | 15871 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $555.79M |
| Total Deposits | $497.88M |
| Total Liabilities | $504.98M |
| Total Equity Capital | $50.81M |
| Net Income | $1.08M |
| Net Loans and Leases | $224.85M |
| Assets Per Employee ($Millions) | $7.04M |
| Bank Premises and Fixed Assets | $2.27M |
| Cash and Balances due from Depository Institutions | $14.59M |
| Deposits Held in Domestic Offices | $497.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 8.5% |
| Net Interest Margin | 2.57% |
| Efficiency Ratio | 67.13% |
| Tier 1 Risk-Based Capital Ratio | 20.812% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.142% |
| Earning Assets to total Assets | 93.86% |
Income and Expense
| Total Interest Income | $5.96M |
| Total Noninterest Income | $1.08M |
| Total Interest Expense | $2.59M |
| Total Noninterest Expense | $3.00M |
| Net Interest Income | $3.37M |
| Pre-tax Net Operating Income | $1.38M |
| Provision for Credit Losses | $63.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.76M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.51M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.33M |
| Total Liabilities and Capital | $555.79M |
Securities
| Securities | $288.82M |
| Available-for-sale debt securities | $225.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $63.05M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Peoples Bank?
$555.79M as of the latest filing.
How much are The Peoples Bank's total deposits?
$497.88M in total deposits.
Where is The Peoples Bank located?
Ripley, MS.
What is the Net Interest Margin?
2.57%.
How many domestic offices does it operate?
6.
When was it established?
03/03/1925.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$224.85M (latest filing).
What is the total interest income (latest filing)?
$5.96M.