Peoples Bank of Greensboro
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Greensboro is an FDIC-insured commercial bank headquartered in Greensboro, AL, established in 1904 (FDIC certificate 1730), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.5M, up 2.7% from Q2 2025, the 79th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 17.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1730
- Headquarters
- Greensboro, AL
- Established
- 1904
- Total assets, Q2 2026
- $115.5M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 17.19%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062201533
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Greensboro Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- GREENSBORO BANCSHARES, INC.
- Asset rank in state
- 79th of 93 in Alabama
Problem loans are rising at Peoples Bank of Greensboro. The Greensboro, Alabama bank had $116 million in assets at June 30, 2026, up 2.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.29% of loans from 0.78% a year earlier. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 8.91% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Unrealized losses on its securities total $2.0 million, equal to 19% of Tier 1 capital, against 22% a year earlier. The commercial and industrial book ($6.3 million) is worsening: 3.78% of it is past due or on nonaccrual, up from 3.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.2% of the capital and reserves that would absorb them, 3.8 times the median of 2.7% for banks its size.
As of June 30, 2026, Peoples Bank of Greensboro reported a CET1 capital ratio of 17.19%, a return on assets of 0.95%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 10.20%. The figures come from its call report filed with the FFIEC.
Peoples Bank of Greensboro ranks as the 79th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $115.5M, loans rose 3.6% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.9% of total loans, followed by farmland and other real estate loans at 20.5%. Its one office in the FDIC Summary of Deposits is in Greensboro, AL. By the capital ratios in its Q2 2026 call report, Peoples Bank of Greensboro meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1402 State St, Greensboro, AL 36744
- County
- Hale
- Metro Area
- Tuscaloosa, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 7, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $109.0M
- Allowance for credit losses
- $614K
- Net charge-offs (YTD)
- $27K
- Average total assets
- $117.9M
- Average total loans
- $50.3M
- Average interest-bearing deposits
- $74.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1730
- Fed RSSD
- 320034
- Parent Holding Company
- GREENSBORO BANCSHARES, INC. (RSSD 1086775)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples Bank of Greensboro's total assets moved between a low of $102.5M (Q2 2024) and a high of $115.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$115.5M total assets against $112.6M; $109.3M total liabilities against $107.0M.
$50.5M net loans and leases against $49.6M; $109.0M total deposits against $106.6M.
$49.9M securities against $47.3M; $12.4M cash and balances due against $12.8M.
$1.3M total interest income against $1.2M; $429K total interest expense against $426K.
$835K net interest income against $798K.
$102K total noninterest income against $110K; $657K total noninterest expense against $641K.
$0 provision for credit losses against $0.
$280K net income against $267K.
0.95% return on assets against 0.93%; 2.98% net interest margin against 2.96%.
17.19% CET1 capital ratio against 18.09%; 8.91% tier 1 leverage ratio against 9.53%.
Inside the full Peoples Bank of Greensboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Peoples Bank of Greensboro rankings
Its closest position to the top of a national ranking is 624 of 3,640, for Texas Ratio; its furthest is 3,549 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q1 2025) to 1.35% (Q4 2024) and its net interest margin ran from 2.79% (Q3 2024) to 3.14% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.19% | 0.95% | 1.29% | 10.20% | 2.98% |
| Q1 2026 | 17.30% | 0.83% | 1.01% | 7.86% | 3.01% |
| Q4 2025 | 16.06% | 0.45% | 0.99% | 8.58% | 3.14% |
| Q3 2025 | 18.37% | 0.93% | 0.96% | 7.26% | 2.99% |
| Q2 2025 | 18.09% | 0.93% | 0.78% | 6.26% | 2.96% |
| Q1 2025 | 18.34% | 0.45% | 0.95% | 8.28% | 2.91% |
| Q4 2024 | 15.96% | 1.35% | 0.93% | 12.01% | 2.99% |
| Q3 2024 | 17.14% | 1.18% | 0.98% | 10.47% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank of Greensboro (main office) | Greensboro , AL | 36744 | $109.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 104 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 48 loans originated, $3.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank of Greensboro
What are Peoples Bank of Greensboro's total assets?
As of the Q2 2026 filing, Peoples Bank of Greensboro reported total assets of $115.5 million in its FFIEC call report.
Where is Peoples Bank of Greensboro headquartered?
It is headquartered in Greensboro, AL, United States.
When was Peoples Bank of Greensboro founded?
It was established in 1904, per the FDIC institution directory.
Is Peoples Bank of Greensboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1730). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Greensboro?
Peoples Bank of Greensboro's primary federal regulator is the FDIC.
What is Peoples Bank of Greensboro's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank of Greensboro operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank of Greensboro's Texas Ratio?
Its Texas Ratio is 10.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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