---
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"
generated_at: "2026-05-18T03:54:44.102581+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009460
- JSON: https://secwatch.observer/filing/0001558370-25-009460.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009460.txt

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