{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101583","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.127033+00:00","generated_at":"2026-05-17T02:53:54.886070+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial Q3 EPS $0.14; prior-year $3.31 included $15.2M tax benefit","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101583","json":"https://secwatch.observer/filing/0001104659-25-101583.json","markdown":"https://secwatch.observer/filing/0001104659-25-101583.md","text":"https://secwatch.observer/filing/0001104659-25-101583.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000110465925101583/0001104659-25-101583-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000110465925101583/pfbx-20251022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:53:54.886070+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}