The Peoples Bank, Biloxi, Mississippi

Biloxi, MississippiFDIC Cert #340

STATEEstablished 189618 branches

Holding company: PEOPLES FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$31.3M
Investor CRE	$93.4M
Multifamily	$5M
Construction	$29.8M
1–4 family	$83.5M
C&I	$15.4M
Agriculture	$17K
Other	$10.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$269M

+16.0%y/y

Percentile by value30th percentileby value

FDICLNLSGR

Net loans

$266M

+16.2%y/y

Percentile by value30th percentileby value

FDICLNLSNET

Loans YoY

+16.20%

+937.3%y/y

Percentile by value88th percentileby value

FDICLNLSNET

L/D

39.9%

+31.2%y/y

Percentile by value3rd percentileby value

FDICLNLSNET + DEP

Loans/assets

33.7%

+27.8%y/y

Percentile by value3rd percentileby value

FDICLNLSNET + ASSET

RE loans %

91.14%

+0.4%y/y

Percentile by value74th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,467points

+0.3%y/y

Peer standing30th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.64%

−26.8%y/y

Percentile by value45th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

34.76%

+9.3%y/y

Percentile by value94th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.72%

+7.2%y/y

Percentile by value20th percentileby value

FDICLNCI + LNLSGR