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
Unfavorable gap of $2.3M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.72% | 1.06% | 1.45% | Beats 24% | 564 / 746 | | |
| Return on Equity | 13.09% | 6.74% | 10.51% | 13.63% | Beats 70% | 221 / 746 | | |
| Net Interest Margin | 2.83% | 3.17% | 3.68% | 4.16% | Beats 12% | 656 / 746 | | |
| Efficiency Ratio | 72.18% | 55.74% | 64.58% | 75.47% | Beats 32% | 511 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.42% | 1.07% | Beats 21% | 591 / 743 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 596 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.19% | 11.55% | 13.75% | 17.60% | Beats 73% | 203 / 746 | | |
| Total Risk-Based Capital Ratio | 18.20% | 11.71% | 14.33% | 18.43% | Beats 74% | 193 / 746 | | |
| Equity / Assets | 5.41% | 8.90% | 10.51% | 13.06% | Beats 1% | 735 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.91% | 61.31% | 78.27% | 90.78% | 10th pctl | 669 / 746 | | |
| Loans / Assets | 44.24% | 53.60% | 66.97% | 76.08% | 14th pctl | 645 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |