🏦Bank Scorer

THE PEOPLES BANK, BILOXI, MISSISSIPPI

BILOXI, MS · Supervised by FDIC

Est. 1896FDIC #340RSSD: FDIC-340
Part ofPEOPLES FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.81%

Institution Profile

FDIC BankFind

Address

152 Lameuse St, BILOXI, MS

County

Harrison County

Established

April 13, 1896

Total Assets

$788M(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

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$788M

Total Deposits

$666M

Net Loans

$266M

Net Income

$2M

ROA

0.81%

ROE

6.10%

Risk-Based Capital

0.00%

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 Rate14.08%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$645M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414269.01%14.08%
202313374.44%12.03%
202218674.73%15.05%
202120076.5%13.50%
202016782.04%10.78%
201917380.35%10.40%
201814673.97%15.07%

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

12 previous ratings locked — dating back to 1990

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/eefd2dec-690c-4ca6-9eb3-16b35fa472fd"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: