Peoples Financial Q3 EPS $0.14; prior-year $3.31 included $15.2M tax benefit

PEOPLES FINANCIAL CORP /MS/

2025-Q3 EPS reported $0.69

Q3 2025 net income $643K ($0.14 EPS) vs $15.4M ($3.31 EPS) in Q3 2024; prior year included $15.2M tax benefit from reversal of deferred tax asset valuation allowance.
Pre-tax income fell 41% to $786K from $1,334K; total interest income down $920K to $6,910K due to lower yields on securities and fed funds.
Total deposits declined $83M to $637.6M, driven by loss of large public fund accounts in competitive bid processes.
Bank remains well-capitalized with leverage ratio 15.19%; unrealized AFS securities losses improved to $30.4M from $38M at year-end 2024.
Efficiency ratio worsened to 81% from 72% for nine months; ROAA fell to 0.54% (0.82% ex-discrete item) from 3.33%.

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