{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-009460","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.344772+00:00","generated_at":"2026-05-18T03:54:44.102581+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Peoples Financial Q2 net income down 47% YoY; deposits fall $76M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-009460","json":"https://secwatch.observer/filing/0001558370-25-009460.json","markdown":"https://secwatch.observer/filing/0001558370-25-009460.md","text":"https://secwatch.observer/filing/0001558370-25-009460.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000155837025009460/0001558370-25-009460-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000155837025009460/pfbx-20250723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:54:44.102581+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"}