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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