Earnings Releases·Oct 28, 2026, 5:20 PM ET

Peoples Financial Corporation — Third Quarter 2026 Earnings Summary

Net income for Q3 2026 rose $473,000 to $1,116,000 ($0.24 EPS) from $643,000 ($0.14 EPS) in Q3 2025, driven by a $560,000 increase in net interest income to $5,136,000 and a $233,000 reduction in interest expense.
The company announced a 5.6% dividend increase to $0.19 per share, while total deposits grew $41.7 million to $646.2 million and loans increased to $292.8 million, reflecting significant loan growth and market strength.
Total shareholders' equity decreased $2.4 million to $98.2 million due to unrealized losses on the securities portfolio, which rose to $33.98 million, though the leverage ratio remained strong at 14.89%.
Management expects to offset lower securities income through reinvestment at higher yields and continued loan growth, with no plans to sell affected securities to realize unrealized losses in the near future.