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The Peoples Bank

Ripley, MS
IDRSSD: 593249
Total Assets
$563.94M
Latest filing
Total Deposits
$505.35M
Latest filing
Net Interest Margin
2.49%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/03/1925
Community BankYes
Ownership TypeNot Mutual
ZIP38663
State and County Number28139
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees81
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/18/1941
Primary Insurance AgencyDIF
WebsiteWWW.PEOPLESRIPLEY.COM
Data Updated11/14/2025
CERT15871
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$563.94M
Total Deposits$505.35M
Total Liabilities$513.03M
Total Equity Capital$50.91M
Net Income$1.49M
Net Loans and Leases$218.43M
Assets Per Employee ($Millions)$6.88M
Bank Premises and Fixed Assets$2.36M
Cash and Balances due from Depository Institutions$19.20M
Deposits Held in Domestic Offices$505.35M

Key Performance Ratios

Return on Assets (ROA)1.07%
Return on Equity (ROE)12.15%
Net Interest Margin2.49%
Efficiency Ratio57.05%
Tier 1 Risk-Based Capital Ratio21.534%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.04%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.027%
Earning Assets to total Assets93.66%

Income and Expense

Total Interest Income$5.87M
Total Noninterest Income$1.21M
Total Interest Expense$2.61M
Total Noninterest Expense$2.56M
Net Interest Income$3.26M
Pre-tax Net Operating Income$1.59M
Provision for Credit Losses$56.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$4.90M
Federal Funds Sold & Reverse Repurchase Agreement$19.21M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.78M
Total Liabilities and Capital$563.94M

Securities

Securities$282.88M
Available-for-sale debt securities$217.76M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$65.12M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Peoples Bank?
$563.94M as of the latest filing.
How much are The Peoples Bank's total deposits?
$505.35M in total deposits.
Where is The Peoples Bank located?
Ripley, MS.
What is the Net Interest Margin?
2.49%.
How many domestic offices does it operate?
6.
When was it established?
03/03/1925.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$218.43M (latest filing).
What is the total interest income (latest filing)?
$5.87M.