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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Greensboro, AL · FDIC certificate #1730
PEOPLES BANK OF GREENSBORO is an FDIC-insured institution based in Greensboro, AL (FDIC certificate #1730). In its Q3 2026 Call Report it reported total assets of $117M, total deposits of $111M and net loans of $54M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES BANK OF GREENSBORO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $117M in Q3 2026 and were lowest at $113M in Q1 2026.
Total deposits were highest at $111M in Q3 2026 and lowest at $107M in Q1 2026.
Over the whole period total assets rose 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $117M | $111M | $54M | 1.02% | 19.75% | 3.10% |
| Q2 2026 | $116M | $109M | $51M | 0.91% | 18.02% | 3.05% |
| Q1 2026 | $113M | $107M | $49M | 0.85% | 17.37% | 3.05% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.6M | $5.1M | -$1.5M | -28.8% |
| Federal funds sold | $8.8M | $6.5M | +$2.3M | +35.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $49.9M | $50.1M | -$210K | -0.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $50.5M | $48.7M | +$1.8M | +3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $289K | $296K | -$7K | -2.4% |
| Other real estate owned | $42K | $0K | +$42K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.5M | $2.3M | +$175K | +7.6% |
| Total assets | $115.5M | $112.9M | +$2.7M | +2.3% |
| Liabilities | ||||
| Total deposits | $109.0M | $106.9M | +$2.1M | +1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $323K | $320K | +$3K | +0.9% |
| Total liabilities | $109.3M | $107.2M | +$2.1M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $8K | $8K | $0K | 0.0% |
| Surplus | $2.4M | $2.4M | $0K | 0.0% |
| Retained earnings | $8.1M | $7.9M | +$280K | +3.6% |
| Accumulated other comprehensive income | -$4.3M | -$4.5M | +$285K | +6.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $6.2M | $5.7M | +$565K | +9.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $700K | $496K | +$204K | +41.1% |
| Adjusted nonperforming assets | $700K | $496K | +$204K | +41.1% |
| Tangible equity plus allowance | $6.9M | $6.3M | +$547K | +8.7% |
| Texas ratio (gross) | 10.20% | 7.86% | +2.35 pts | See points |
| Texas ratio (adjusted) | 10.20% | 7.86% | +2.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.42% | 7.93% | +2.49 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.19% | 17.30% | -0.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.19% | 17.30% | -0.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.00% | 1.07% | -0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.20% | 18.36% | -0.17 pts | See points |
| Tier 1 leverage (approximate) | 8.91% | 8.77% | +0.14 pts | See points |
| Construction and land loans to total capital | 48.39% | 50.32% | -1.92 pts | See points |
| Commercial real estate to total capital | 80.85% | 85.78% | -4.93 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.11% | -20.68% | +1.57 pts | See points |
| Liquidity | ||||
| Core deposits | $87.9M | $89.6M | -$1.8M | -2.0% |
| Non-core funding | $21.1M | $17.2M | +$3.9M | +22.3% |
| Loans to core deposits | 58.17% | 55.02% | +3.15 pts | See points |
| Loans to deposits | 46.91% | 46.15% | +0.76 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 61.60% | 61.39% | +0.21 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $21.1M | $17.2M | +$3.9M | +22.3% |
| Earnings | ||||
| Earnings before provision, year to date | $521K | $241K | +$280K | +116.2% |
| Earnings before provision, single quarter | $280K | $241K | +$39K | +16.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.35% | 7.37% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.01% | 3.16% | -0.15 pts | See points |
| Total interest income to average assets | 4.29% | 4.27% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.30% | 0.31% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.25% | 0.25% | +0.00 pts | See points |
| Cost of time deposits | 3.53% | 3.55% | -0.02 pts | See points |
| Total interest expense to average assets | 1.46% | 1.42% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $117M | $111M | $54M | 1.02% | 19.75% | 3.10% |
| 2026-06-30 | $116M | $109M | $51M | 0.91% | 18.02% | 3.05% |
| 2026-03-31 | $113M | $107M | $49M | 0.85% | 17.37% | 3.05% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $106.6M | 0.07% | 106 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.