Bank Comparison
Peoples Bank of Greensboro vs Local Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| CET1 Ratio | 17.30% | — |
| Tier 1 Capital Ratio | 17.30% | — |
| Total Capital Ratio | 18.36% | — |
| Tier 1 Leverage Ratio | 8.77% | 14.72% |
| Equity / Assets | 5.03% | 16.38% |
Profitability
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| Return on Assets (ROA) | 0.83% | -2.25% |
| Return on Equity (ROE) | 17.37% | -13.42% |
| Net Interest Margin (NIM) | 3.01% | 3.74% |
| Yield on Earning Assets | 4.50% | 6.93% |
| Cost of Funds | 1.53% | 3.24% |
Asset quality
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| Texas Ratio | 7.93% | 8.41% |
| Non-Performing Loan Ratio | 1.02% | 1.43% |
| Non-Performing Asset Ratio | 0.44% | 1.34% |
| Net Charge-Off Ratio | 0.08% | 1.00% |
| ACL / Loans | 1.28% | 0.86% |
Balance sheet
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| Total Assets | $112,895K | $105,437K |
| Total Deposits | $106,893K | $78,318K |
| Total Loans | $49,329K | $86,023K |
| Total Equity | $5,682K | $17,274K |
| Net Income (quarter) | $241 | $-590 |
Liquidity & funding
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 46.15% | 109.84% |
| Core Deposit Ratio | 83.87% | 90.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Greensboro | Local Bank |
|---|---|---|
| Headquarters City | GREENSBORO | TUSCALOOSA |
| Headquarters State | AL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 14 | 77 |
| Established | March 7, 1904, midnight | Aug. 1, 1914, 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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