Bank Comparison
Peoples Bank of Greensboro vs Commercial Bank of Ozark, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| CET1 Ratio | 17.30% | 18.65% |
| Tier 1 Capital Ratio | 17.30% | 18.65% |
| Total Capital Ratio | 18.36% | 19.65% |
| Tier 1 Leverage Ratio | 8.77% | 9.00% |
| Equity / Assets | 5.03% | 4.28% |
Profitability
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 0.40% |
| Return on Equity (ROE) | 17.37% | 9.25% |
| Net Interest Margin (NIM) | 3.01% | 3.21% |
| Yield on Earning Assets | 4.50% | 4.23% |
| Cost of Funds | 1.53% | 1.05% |
Asset quality
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| Texas Ratio | 7.93% | 11.95% |
| Non-Performing Loan Ratio | 1.02% | 0.80% |
| Non-Performing Asset Ratio | 0.44% | 0.37% |
| Net Charge-Off Ratio | 0.08% | 0.05% |
| ACL / Loans | 1.28% | 1.09% |
Balance sheet
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| Total Assets | $112,895K | $115,150K |
| Total Deposits | $106,893K | $108,782K |
| Total Loans | $49,329K | $52,815K |
| Total Equity | $5,682K | $4,931K |
| Net Income (quarter) | $241 | $121 |
Liquidity & funding
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| Loan-to-Deposit Ratio | 46.15% | 48.55% |
| Core Deposit Ratio | 83.87% | 90.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Greensboro | Commercial Bank of Ozark, the |
|---|---|---|
| Headquarters City | GREENSBORO | OZARK |
| Headquarters State | AL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 20 |
| Established | March 7, 1904, midnight | April 2, 1959, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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