Peoples Bank of Greensboro: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.93 percentage points lower than in Q1 2026, at 80.85%. Within Alabama, Peoples Bank of Greensboro is 79th of 93 on loan-to-deposit ratio, 46.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Bank of Greensboro sits 33.93 points lower, at 46.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.1M |
| Net loans and leases | $50.5M |
| Loans held for sale | $0 |
| Loans to total assets | 44.24% |
| Loan-to-deposit ratio | 46.91% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.06% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.28% |
| Consumer | 13.29% |
| Credit cards | 0.24% |
| Farm | 20.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.85% |
| Construction concentration (Tier 1 capital + allowance) | 48.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.35% |
| Interest income on loans | $923K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $47.0M | $104.2M | 6.39% | 12.16% | 12.65% |
| Q4 2023 | $46.8M | $100.8M | 6.08% | 12.51% | 12.89% |
| Q1 2024 | $46.1M | $102.8M | 6.15% | 12.09% | 13.29% |
| Q2 2024 | $47.1M | $95.3M | 7.44% | 12.59% | 13.51% |
| Q3 2024 | $49.4M | $105.5M | 6.99% | 12.58% | 12.84% |
| Q4 2024 | $50.4M | $106.3M | 6.60% | 13.84% | 12.61% |
| Q1 2025 | $48.8M | $103.2M | 7.65% | 12.48% | 13.45% |
| Q2 2025 | $50.3M | $106.6M | 8.53% | 13.07% | 13.40% |
| Q3 2025 | $52.4M | $102.8M | 6.79% | 12.26% | 13.11% |
| Q4 2025 | $52.3M | $109.2M | 6.84% | 13.51% | 13.33% |
| Q1 2026 | $49.3M | $106.9M | 7.81% | 11.85% | 13.13% |
| Q2 2026 | $51.1M | $109.0M | 7.06% | 12.28% | 13.29% |
Peoples Bank of Greensboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Greensboro, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Bank of Greensboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1730) · FFIEC NIC profile (RSSD 320034)