Peoples Bank: how it compares with its peers
Against 31 MS banks with half to twice its assets, Peoples Bank's strongest measure in Q2 2026 is return on assets (3.96% vs. a 1.01% peer median). Its weakest relative measure is assets per employee ($3.7M vs. $5.2M).
| Measure | Peoples Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.96% | 1.01% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.63% | 3.83% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.29% | 65.42% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.7M | $5.2M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.95% | 66.96% | Context |
What it means for lending operations
Its efficiency ratio of 55.29% is better than the 65.42% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank Columbia, MS · $466M
- United Mississippi Bank Natchez, MS · $561M
- First Choice Bank Pontotoc, MS · $561M
- RiverHills Bank Vicksburg, MS · $445M
- First Bank Mccomb, MS · $563M
- Farmers and Merchants Bank Baldwyn, MS · $566M
Questions about Peoples Bank
How big is Peoples Bank?
Peoples Bank, established in 1908, is headquartered in Mendenhall, MS. It reported $503M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Peoples Bank's return on assets?
3.96% annualized in Q2 2026, against a 1.01% median for 31 MS banks with half to twice its assets, ahead of 100% of them.
What is Peoples Bank's efficiency ratio?
55.29% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 65.42%, and lower is better.
Is Peoples Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 7.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.