BlastPoint's Banking Scorecard

Peoples Bank of Greensboro

$100M-$1B Specialty: Agricultural AL FDIC cert 1730

Designations: ✓ CDFI-certified

Greensboro, AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

Peoples Bank of Greensboro faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 1.6% in tier
- Credit Quality Pressure: Bottom 39.0% in tier
- ROA 0.42% below tier average
- Net Interest Margin 0.88% below tier average
- Efficiency Ratio 8.97% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$112.9M +4.2% YoY -1.8% QoQ	-$273.2M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 3.8% in tier
Total Loans ?	$48.7M +1.4% YoY -5.8% QoQ	-$207.0M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 2.8% in tier
Total Deposits ?	$106.9M +3.6% YoY -2.1% QoQ	-$221.1M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 7.7% in tier
Return on Assets ?	0.85% +81.7% YoY +19.7% QoQ	-0.42%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.05% +2.3% YoY +0.1% QoQ	-0.88%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Bottom 13.0% in tier
Efficiency Ratio ?	74.25% -14.4% YoY -5.9% QoQ	+8.97%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	1.02% +5.9% YoY +1.3% QoQ	+0.13%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	45.56% -2.2% YoY -3.8% QoQ	-31.08%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 6.6% in tier
Non-Interest-Bearing Deposit Share ?	30.99% +3.4% YoY -14.5% QoQ	+8.97%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.44% +3.0% YoY -2.9% QoQ	-0.20%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	17.30% -5.7% YoY +7.7% QoQ	+1.47%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.09% -43.6% YoY -78.2% QoQ	-0.19%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#17 of 973 • Bottom 1.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#511 of 1308 • Bottom 39.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.02%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

177

Loan-to-Deposit Ratio

liquidity

Value: 45.56%

Peer Median: 76.64%

#177 of 2664 Top 6.6% in $100M-$1B

421

Non-Interest-Bearing Deposit Share

funding

Value: 30.99%

Peer Median: 22.02%

#421 of 2664 Top 15.8% in $100M-$1B

587

Tier 1 Capital Ratio

capital

Value: 17.30%

Peer Median: 15.83%

#587 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (5 metrics)

2590

Total Loans

size

Value: $48.70M

Peer Median: $255.72M

#2590 of 2664 Bottom 2.8% in $100M-$1B

2565

Total Assets

size

Value: $112.89M

Peer Median: $386.08M

#2565 of 2664 Bottom 3.8% in $100M-$1B

2461

Total Deposits

size

Value: $106.89M

Peer Median: $327.97M

#2461 of 2664 Bottom 7.7% in $100M-$1B

2320

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.93%

#2320 of 2664 Bottom 13.0% in $100M-$1B

2033

Efficiency Ratio

profitability

Value: 74.25%

Peer Median: 65.29%

#2033 of 2664 Bottom 23.7% in $100M-$1B