Peoples Financial is a community bank holding company headquartered in Biloxi, Mississippi, operating through its subsidiary, The Peoples Bank. Founded in 1896, the Bank serves individuals and small-to-midsize businesses across four counties in coastal Mississippi, with some reach into southern Louisiana and Alabama, through a main office and 17 branches. The Bank's core products are commercial real estate, residential real estate, construction, and commercial and industrial loans, with non-residential real estate making up nearly half the loan portfolio. The Bank also gathers deposits through checking, savings, CDs, and IRA accounts, and offers trust and estate management services through its Trust Department. Peoples Financial earns money primarily through net interest income — the spread between what it earns on loans and investments and what it pays on deposits. Notably, the investment securities portfolio is larger than the loan portfolio, making Peoples Financial more investment-heavy than a typical community bank. Non-interest bearing demand deposits represent roughly 25% of total deposits, which helps keep funding costs low. The Bank pursues internal growth — deepening existing customer relationships and selectively adding branches — rather than acquisitions, and is explicitly focused on remaining a locally oriented community bank within its natural footprint. Its strategy leans on relationship banking and local brand recognition built over more than a century of operating in the same market.