{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085904","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2026-07-22T21:20:15+00:00","discovered_at":"2026-07-22T21:22:00.290120+00:00","generated_at":"2026-07-22T21:22:10.337329+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 Q2 net income down 28% to $897K; EPS $0.19 vs $0.27","bullets":["Net income $897K, down $345K YoY; EPS $0.19 vs $0.27.","Net interest income fell $553K to $4.9M on lower securities/fed funds income.","Efficiency ratio worsened to 80% from 78%; ROAA slipped to 0.63%.","Unrealized losses on AFS securities rose to $29.4M; leverage ratio 15.22%.","Total deposits up $5.3M to $609.8M; total assets $771M."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085904","json":"https://secwatch.observer/filing/0001104659-26-085904.json","markdown":"https://secwatch.observer/filing/0001104659-26-085904.md","text":"https://secwatch.observer/filing/0001104659-26-085904.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000110465926085904/0001104659-26-085904-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000110465926085904/pfbx-20260722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T21:22:10.337329+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"}