Greensboro, AL · Cert 1730 · Greensboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.0% share · #13 of 30 inst. · $0.1B of $5.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.13% | 0.37% | 0.76% | 0.75% | 0.36% | 0.67% | 0.77% | +1 bps | |
| Return on Equity | 31.97% | 35.03% | 9.92% | 16.09% | 14.01% | 6.94% | 13.65% | 14.74% | -135 bps | |
| Net Interest Margin | 2.63% | 2.83% | 2.75% | 2.79% | 2.83% | 2.97% | 2.85% | 2.83% | +4 bps | |
| Efficiency Ratio | 50.37% | 67.25% | 86.78% | 70.59% | 70.71% | 86.58% | 74.25% | 70.12% | -48 bps | |
| Non-Interest Burden | 0.51% | 1.48% | 2.30% | 1.86% | 1.90% | 2.53% | 2.03% | 1.88% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 2.60% | -1.02% | 9.78% | -0.39% | 4.62% | 4.23% | 2.66% | -712 bps | |
| Loan Growth (YoY) | 5.20% | 7.73% | 5.70% | 6.80% | 5.99% | 3.74% | 1.18% | 1.62% | -519 bps | |
| Deposit Growth (YoY) | 1.20% | 5.43% | 0.39% | 11.83% | -2.60% | 2.69% | 3.63% | 2.20% | -963 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.93% | 0.95% | 0.78% | 0.96% | 0.99% | 1.01% | 1.29% | +51 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.17% | -0.07% | 0.26% | 0.08% | 0.24% | 0.08% | 0.13% | -13 bps | |
| Allowance / Loans | 1.48% | 1.40% | 1.47% | 1.36% | 1.28% | 1.22% | 1.28% | 1.20% | -16 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.5x | 1.7x | 1.3x | 1.2x | 1.3x | 0.9x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 8.13% | 9.31% | 9.53% | 9.87% | 8.70% | 8.77% | 8.91% | -61 bps | |
| Total Risk-Based Capital | 18.39% | 17.16% | 19.57% | 19.23% | 19.48% | 17.09% | 18.36% | 18.20% | -103 bps | |
| Equity / Assets | 3.55% | 2.91% | 4.49% | 4.95% | 5.70% | 4.71% | 5.03% | 5.41% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.82% | 47.45% | 47.26% | 47.18% | 50.95% | 47.94% | 46.15% | 46.91% | -27 bps | |
| Liquid Assets / Assets | 26.78% | 27.25% | 27.70% | 26.70% | 27.49% | 25.75% | 26.24% | 25.68% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.49% | 86.42% | 91.08% | n/a | n/a | |