secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES FINANCIAL CORP /MS/ (PFBX)
CIK:        0000770460
Form:       8-K
Filed at:   2026-07-22T21:20:15+00:00
Accession:  0001104659-26-085904
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/770460/000110465926085904/0001104659-26-085904-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/770460/000110465926085904/pfbx-20260722x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-085904

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer