PEOPLES FINANCIAL CORP is the parent banking group. THE PEOPLES BANK, BILOXI, MISSISSIPPI is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PEOPLES FINANCIAL CORP

Legal name: PEOPLES FINANCIAL CORPORATION

1 active bank · $788M combined assets

RSSD ID: 1133174 (FFIEC NIC)

Combined Assets

$788M

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE PEOPLES BANK, BILOXI, MISSISSIPPIBILOXI, MSSatisfactory$788MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$788M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$666M

Net Income

$2M

ROA (avg)

0.81%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

142

Origination Rate

69.01%

Denial Rate

14.08%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE PEOPLES BANK, BILOXI, MISSISSIPPI	BILOXI, MS	FDIC	$788M	100.0%	Satisfactory	May 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.