This institution is no longer active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%

Is this bank safe?

PEOPLES BANK OF THE SOUTH holds a Satisfactory CRA rating (2011), meets basic financial requirements (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%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.85%

Risk-Based Capital

15.22%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.92%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.22%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate0.78%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	255	98.43%	0.78%
2020	285	94.74%	2.46%
2019	323	97.52%	0.31%
2018	301	95.35%	2.33%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2011	Satisfactory	Small Bank
Dec 2005	Satisfactory	Small Bank
Jan 2001	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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