🏦Bank Scorer

THE PEOPLES BANK

RIPLEY, MS · Supervised by FDIC

Est. 1925FDIC #15,871RSSD: FDIC-15871
Part ofPEOPLES CORP THE→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

305 E Jefferson St, RIPLEY, MS

County

Tippah County

Established

March 3, 1925

Total Assets

$582M(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

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$582M

Total Deposits

$524M

Net Loans

$225M

Net Income

$1M

ROA

1.03%

ROE

11.49%

Risk-Based Capital

22.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$497M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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