At a glance
From its website, read 2 Nov 2026The Peoples Bank is a bank or thrift based in Ripley, Mississippi. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Where it lends: Tippah County, as the community the bank serves. The consumer loan APR it states is 17.52%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (662) 837-8191 source |
|---|---|
| Website | peoplesripley.com |
| Office (official list) | P.O. Box 419, Ripley, MS 38663 |
What their website says about applying
Fill out our contact form and we’ll be in touch soon.
sourceSpeak with one of our loan officers for details about our Home Equity Loan options.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 17.52% APR | with a low 17.52% Annual Percentage Rate | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 593249 |
| Address | P.O. Box 419, Ripley, MS 38663 Directions to the main office (Google Maps) |
| Website | peoplesripley.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts, borrower eligibility and an online loan application were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer competitive rates and flexible repayment schedules to match your budget. | source |
| Commercial real estate loans | — | Financing for the purchase, construction, or refinancing of commercial and investment properties, including: | source |
| Equipment loans | — | Customized loan options to help you purchase or upgrade essential equipment, including: | source |
| Home mortgages | — | The Peoples Bank offers competitive mortgage rates with a range of terms, making it easy to find financing that works for you. | source |
| Personal / consumer loans | — | Our consumer loans can be customized for a variety of purposes, including recreational vehicles, equipment, computers, vacations, and more. | source |
| Small-business loans | — | Straightforward financing with flexible terms to support: | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Tippah County, as the community the bank serves
dedicated to serving the people of Tippah County
source
Counties this matches: Tippah County, MS
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.4 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $278,100 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as The Peoples Bank (FDIC cert 15871). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $581.8 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Mississippi (6 offices)
- Tippah County (6): 305 E Jefferson St, Ripley 38663 (main office); 122 Guyton Blvd, Blue Mountain 38610; 1414 Highway 15 North, Ripley 38663; 405 E Walnut St, Ripley 38663; 907 City Ave S, Ripley 38663; 28480 Highway 15, Walnut 38683
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by The Peoples Bank (RSSD 593249, FDIC cert 15871). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $239.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 10.8% from $216.2 million on 30 Jun 2025 |
| Total assets | $581.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $90.1 million | 37.6% |
| Home equity lines of credit | $1.9 million | 0.8% |
| Commercial real estate, construction and multifamily | $80.4 million | 33.5% |
| Commercial and industrial (business) loans | $25.2 million | 10.5% |
| Farmland and farm production loans | $13.4 million | 5.6% |
| Consumer loans (credit cards, auto, other) | $19.8 million | 8.3% |
| All other loans and leases | $8.9 million | 3.7% |
Within consumer loans: auto loans $9.3 million, credit cards $1.6 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 43 loans $1.4 million | 206 loans $4.9 million |
| $100,001 to $250,000 | 41 loans $5.2 million | 25 loans $2.4 million |
| $250,001 to $1 million | 57 loans $23.1 million | 22 loans $8.3 million |
| All small business loans | 141 loans $29.7 million | 253 loans $15.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 102 loans $2.9 million | 36 loans $695,000 |
| $100,001 to $250,000 | 36 loans $4.2 million | 1 loan $91,000 |
| $250,001 to $500,000 | 9 loans $2.4 million | 2 loans $313,000 |
| All small farm loans | 147 loans $9.4 million | 39 loans $1.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $581.8 million | Larger than 65% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 41% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $216.2 million → $239.7 million (+11%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 43 → 45. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 65% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 43 → 45 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Ripley and Mississippi
- The Peoples Corporation, Ripley, MSBank holding company · Ripley, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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