🏦Bank Scorer

This institution is no longer active

Operations ceased on November 1, 2013. CRA examination history below reflects the period it was active.

PEOPLES BANK OF THE SOUTH

BUDE, MS · Supervised by FDIC

Est. 1998FDIC #34,763RSSD: FDIC-34763
Part ofPBFC HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: February 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

2292 Highway 184 E, BUDE, MS

County

Franklin County

Established

July 6, 1998

Total Assets

$84M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2013Call Report / FDIC

Total Assets

$84M

Total Deposits

$75M

Net Loans

$51M

Net Income

$566K

ROA

0.92%

ROE

10.85%

Risk-Based Capital

15.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.78%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202425598.43%0.78%
202324598.78%1.22%
202227594.91%2.18%
202126996.28%1.86%
202028594.74%2.46%
201932397.52%0.31%
201830195.35%2.33%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2001

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/6028d4e0-1702-464b-a901-fc30ee5e3ccc"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: