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Peoples Bank of Greensboro

Greensboro, AL · Cert 1730 · Greensboro Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank of Greensboro

Greensboro, AL · Cert 1730 · Greensboro Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$115.5MAssets
$51.1MLoans
$109.0MDeposits
$6.2MEquity
Loan mix
73%RE $33.6M13%C&I $5.8M14%Consumer $6.5MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $75.7M30%Noninterest $33.2MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.23%Q2 ’254.26%Q2 ’26+9%+2%

Non-interest income vs. expense

2.41%Q2 ’242.58%Q2 ’252.29%Q2 ’26+4%-6%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.0% share · #13 of 30 inst. · $0.1B of $5.5B

Executive Summary

  • Earnings: ROA of 0.71%, up 15 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.29% of loans (+51 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 8.91%, down 61 bps from a year ago.
  • Funding: loans stand at 46.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+6 bps YoY

Efficiency Ratio (YTD, annualized)

72.18%-674 bps YoY

Tier 1 Leverage Ratio

8.91%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.63%0.56%0.67%0.71%+15 bps
Return on Equity13.63%13.86%12.25%13.65%14.15%+51 bps
Net Interest Margin2.77%2.81%2.82%2.85%2.83%+6 bps
Efficiency Ratio78.92%76.26%78.90%74.25%72.18%-674 bps
Non-Interest Burden2.08%2.03%2.13%2.03%1.94%-13 bps
Growth
Asset Growth (YoY)9.78%-0.39%4.62%4.23%2.66%-712 bps
Loan Growth (YoY)6.80%5.99%3.74%1.18%1.62%-519 bps
Deposit Growth (YoY)11.83%-2.60%2.69%3.63%2.20%-963 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.96%0.99%1.01%1.29%+51 bps
Net Charge-Offs / Loans0.10%0.09%0.13%0.08%0.11%+1 bps
Allowance / Loans1.36%1.28%1.22%1.28%1.20%-16 bps
Allowance Coverage of NPLs1.7x1.3x1.2x1.3x0.9x-0.8x
Capital
Tier 1 Leverage Ratio9.53%9.87%8.70%8.77%8.91%-61 bps
Total Risk-Based Capital19.23%19.48%17.09%18.36%18.20%-103 bps
Equity / Assets4.95%5.70%4.71%5.03%5.41%+45 bps
Liquidity & Funding
Loans / Deposits47.18%50.95%47.94%46.15%46.91%-27 bps
Liquid Assets / Assets26.70%27.49%25.75%26.24%25.68%-102 bps
CRE / Total Capitaln/a78.49%86.42%91.08%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank of Greensboro

Greensboro, AL · Cert 1730 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Greensboro Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$115.5MAssets
$51.1MLoans
$109.0MDeposits
$6.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 74% of banks under $1B in assets operating in a single state (rank 193 of 746).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 735 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.71%

Rank 564 of 746

Net Interest Margin

2.83%

Rank 656 of 746

Efficiency Ratio

72.18%

Rank 511 of 746

Equity / Assets

5.41%

Rank 735 of 746

Non-interest income vs. expense

$0.4M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state
Bank 72.18%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%0.72%1.06%1.45%Beats 24%564 / 746
Return on Equity13.09%6.74%10.51%13.63%Beats 70%221 / 746
Net Interest Margin2.83%3.17%3.68%4.16%Beats 12%656 / 746
Efficiency Ratio72.18%55.74%64.58%75.47%Beats 32%511 / 746
Asset Quality
Nonperforming Loans / Loans1.29%0.09%0.42%1.07%Beats 21%591 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%596 / 743
Capital
Tier 1 Capital Ratio17.19%11.55%13.75%17.60%Beats 73%203 / 746
Total Risk-Based Capital Ratio18.20%11.71%14.33%18.43%Beats 74%193 / 746
Equity / Assets5.41%8.90%10.51%13.06%Beats 1%735 / 746
Liquidity & Funding
Loans / Deposits46.91%61.31%78.27%90.78%10th pctl669 / 746
Loans / Assets44.24%53.60%66.97%76.08%14th pctl645 / 746
Brokered Deposits / Depositsn/aNot reported for this institution