---
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"
generated_at: "2026-07-22T21:22:10.337329+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q2 net income down 28% to $897K; EPS $0.19 vs $0.27

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-085904
- JSON: https://secwatch.observer/filing/0001104659-26-085904.json
- Plain text: https://secwatch.observer/filing/0001104659-26-085904.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.