BlastPoint's Banking Scorecard
Peoples Bank of Greensboro
Designations: ✓ CDFI-certified
Greensboro, AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +2.2% year over year ($109.0M on the books).
- Delinquency rate 1.30%.
- Return on assets 0.91%.
- Efficiency ratio 72.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 46.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank of Greensboro faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 29.8% in tier
- - ROA 0.41% below tier average
- - Net Interest Margin 0.94% below tier average
- - Efficiency Ratio 7.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.5M
+2.7% YoY
+2.3% QoQ
|
-$271.0M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.4% in tier |
| Total Loans ? |
$50.5M
+1.8% YoY
+3.7% QoQ
|
-$207.8M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.0% in tier |
| Total Deposits ? |
$109.0M
+2.2% YoY
+1.9% QoQ
|
-$217.8M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.2% in tier |
| Return on Assets ? |
0.91%
+27.4% YoY
+7.6% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.05%
+0.9% YoY
-0.2% QoQ
|
-0.94% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio ? |
72.18%
-8.5% YoY
-2.8% QoQ
|
+7.70% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
1.30%
+64.9% YoY
+27.9% QoQ
|
+0.38% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
46.35%
-0.4% YoY
+1.7% QoQ
|
-31.61% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.50%
-2.9% YoY
-1.6% QoQ
|
+8.47% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.61%
+73.9% YoY
+37.9% QoQ
|
-0.06% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
17.19%
-5.0% YoY
-0.6% QoQ
|
+1.28% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.18%
-30.1% YoY
+93.5% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.5%
-0.9pp YoY -0.5pp QoQ |
+8.3pp | 22.1% | 24.0% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.4%
-0.8pp YoY +0.4pp QoQ |
+0.9pp | 11.6% | 16.9% | 12.5% | 66% |
| CRE | n/a | n/a | 39.5% | 43.5% | 41.4% | n/a |
| 1-4 Family |
29.3%
-0.7pp YoY -1.6pp QoQ |
-3.3pp | 32.6% | 30.6% | 31.3% | 49% |
| Consumer |
13.5%
-0.1pp YoY +0.1pp QoQ |
+9.3pp | 4.1% | 5.7% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.2%
-0.9pp YoY -0.1pp QoQ |
-1.6pp | 18.8% | 15.1% | 19.7% | 65% |
| Leverage Ratio |
8.9%
-0.6pp YoY +0.1pp QoQ |
-3.3pp | 12.2% | 13.2% | 12.6% | 11% |
| Total Capital Ratio |
18.2%
-1.0pp YoY -0.2pp QoQ |
-1.7pp | 19.9% | 16.2% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY +1 (+7.1%) QoQ |
-44 | 58 | 304 | 482 | 4% |
| Assets per Employee ($) |
$7.7M
+2.7% YoY -4.5% QoQ |
+$185K | $7.5M | $6.9M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 7% |
| Nonaccrual |
1.3%
+0.5pp YoY +0.3pp QoQ |
+0.4pp | 0.9% | 1.2% | 1.0% | 78% |
| Allowance Coverage |
0.93x
-46.4% YoY -26.8% QoQ |
-23.22x | 24.15x | 7.50x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+0.7pp YoY +0.6pp QoQ |
+5.8pp | 12.2% | 10.0% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 38% |
| Net Income ($, YTD) |
$521,000
+32.2% YoY — QoQ |
-$2.0M | $2.6M | $17.2M | $40.4M | 11% |
Get Full Access to Peoples Bank of Greensboro
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.