secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES FINANCIAL CORP /MS/ (PFBX)
CIK:        0000770460
Form:       8-K
Filed at:   2025-07-23T23:59:59+00:00
Accession:  0001558370-25-009460
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/770460/000155837025009460/0001558370-25-009460-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/770460/000155837025009460/pfbx-20250723x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-009460

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