Peoples Financial Q2 net income down 47% YoY; deposits fall $76M

PEOPLES FINANCIAL CORP /MS/

2025-Q2 EPS reported $0.55

Q2 net income fell to $1.242M ($0.27 EPS) from $2.329M ($0.50 EPS) YoY.
Net interest income decreased $431K to $5.472M due to lower securities income.
Total deposits dropped $76.4M to $644.3M from Dec 2024, losing public fund accounts.
First-half ROA fell to 0.64% from 1.16%; efficiency ratio rose to 78% from 68%.
Shareholders' equity rose $6.5M to $96.5M; unrealized losses on AFS fell to $32.2M.

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