Peoples Bank (MS): SBA Lending Record
What SBA's own loan files show about Peoples Bank (MS) as an SBA lender, and how a lender's record bears on a feasibility study.
758 loans trace to Peoples Bank (MS) for approvals in FY2017 to FY2026, $826.0 million gross. 758 loans, all in 7(a), stand against Peoples Bank (MS); none are 504. Peoples Bank (MS) is listed by SBA as holder of 758 7(a) loans. 758 loans carry SBA's guarantee, not Peoples Bank (MS)'s.
What Peoples Bank (MS) holds, by class and state
Peoples Bank (MS) puts its largest named classes at Hotel and motel, 222, Fitness center, 22, Gas station and truck stop, 21, Limited-service restaurant, 18 and Full-service restaurant, 14 loans. Peoples Bank (MS)'s largest group, 413 loans, fits no class. Peoples Bank (MS) by state: Mississippi, 448, Texas, 66, Louisiana, 32, Florida, 23 and Alabama, 22 loans.
Peoples Bank (MS): cancellations and charge-offs
5.0% is the cancellation floor on Peoples Bank (MS) approvals from FY2017 to FY2024. Peoples Bank (MS) has a ceiling of 5.0% once undisbursed approvals count as cancelled. Peoples Bank (MS) has no charged-off rate to print. Peoples Bank (MS) had under 30 of 758 loans disbursed in FY2017 to FY2021. Peoples Bank (MS) rate: withheld by Loan Analytics' own rule. Peoples Bank (MS): each rate is the least SBA shows.
Peoples Bank (MS) record and a borrower's study
222 loans of Peoples Bank (MS) fall in the Hotel and motel class. Peoples Bank (MS) study needs renovation reserves. For 222 Hotel and motel loans, rate and occupancy stays open. Peoples Bank (MS) history says nothing on franchise cost. Peoples Bank (MS): 22 loans in the Fitness center class. Peoples Bank (MS) study must prove member churn. For 22 Fitness center loans, club pricing stays open. Peoples Bank (MS) total of $826.0 million says nothing about any one site. 413 Peoples Bank (MS) loans fit no tracked class. At Peoples Bank (MS), the project must carry the case. Peoples Bank (MS): 448 loans in Mississippi, each site needs local evidence. Peoples Bank (MS): ask directly what it needs to see. 758 loans at Peoples Bank (MS) do not measure demand at one site. Peoples Bank (MS) totals trail supply near the site. Peoples Bank (MS) study revenue assumptions need written support. Peoples Bank (MS) request needs build cost from quotes. Peoples Bank (MS) debt service needs a cautious revenue case. Peoples Bank (MS) history cannot stand in for an appraisal. Peoples Bank (MS) study needs a downside case in writing. Peoples Bank (MS): state assumptions, test coverage, support value. Peoples Bank (MS) lists 758 loans and $826.0 million in gross approvals. Peoples Bank (MS) equity belongs in the study.
Peoples Bank (MS) cancellation floors stop at FY2024 approvals. Peoples Bank (MS) totals take in FY2025 and FY2026 approvals. Peoples Bank (MS) figures describe loans held, not lender practices. Peoples Bank (MS) history of 758 loans promises nothing to a new borrower. Peoples Bank (MS) withheld values are never zeros or estimates.
SBA loans held by Peoples Bank (MS)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 758 |
|---|---|
| Gross dollars approved | $826.0 million |
| SBA 7(a) loans | 758 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 5.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 5.0% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 413 |
| Hotel and motel | 222 |
| Fitness center | 22 |
| Gas station and truck stop | 21 |
| Limited-service restaurant | 18 |
| Full-service restaurant | 14 |
| Car wash | 11 |
| Beauty salon | 6 |
| Rehabilitation and therapy clinic | 5 |
| Child care center | 5 |
| Grocery store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Mississippi | 448 |
| Texas | 66 |
| Louisiana | 32 |
| Florida | 23 |
| Alabama | 22 |
| Indiana | 18 |
| Tennessee | 17 |
| South Carolina | 16 |
| Virginia | 12 |
| Kentucky | 11 |
| Georgia | 8 |
| Illinois | 8 |
| Missouri | 8 |
| Ohio | 7 |
| Arkansas | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-9366.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Peoples Bank (MS) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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