Peoples Bank
Headquartered in MENDENHALL, MS. Analysis based on 1,022 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $873.9M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Peoples Bank ranks #24 by charge-off rate (0.82%).
Total 7(a) loans
1,022
Total approved
$873.9M
Average loan
$855K
States funded in
30
Charge-off rate
0.82%
FY2020–FY2023 cohort
Paid-in-full rate
36.19%
Average rate
7.46%
Average term
157 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 207 |
| 484110 | General Freight Trucking, Local | 70 |
| 722511 | Full-Service Restaurants | 47 |
| 722513 | Limited-Service Restaurants | 32 |
| 713940 | Fitness and Recreational Sports Centers | 31 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 23 |
| 112111 | Beef Cattle Ranching and Farming | 22 |
| 113310 | Logging | 22 |
| 238910 | Site Preparation Contractors | 21 |
| 238990 | All Other Specialty Trade Contractors | 16 |
Top 10 states
| State | Loans |
|---|---|
| MS | 360 |
| OH | 198 |
| TX | 92 |
| WA | 59 |
| IN | 44 |
| WV | 33 |
| KY | 30 |
| GA | 27 |
| LA | 26 |
| NC | 23 |
Top franchise brands financed
250 franchise loans across 84 distinct brands.
| Franchise | Loans |
|---|---|
| Quality Inn by Choice Hotels / | 17 |
| Red Roof Inn | 17 |
| Econo Lodge by Choice Hotels/E | 12 |
| Days Inn by Wyndham | 11 |
| Best Western - Membership Agre | 10 |
| La Quinta by Wyndham a.k.a. La | 10 |
| Anytime Fitness | 9 |
| Subway | 8 |
| Super 8 by Wyndhan | 8 |
| Comfort Inn by Choice Hotels/C | 8 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.