BlastPoint's Banking Scorecard
Peoples Bank of Greensboro
Micro
Specialty: Agricultural
AL
FDIC cert 1730
Designations: ✓ Community bank
Greensboro, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Peoples Bank of Greensboro shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$114.9M
+4.6% YoY
+5.2% QoQ
|
-$102.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$51.7M
+3.9% YoY
+0.0% QoQ
|
-$87.5M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$109.2M
+2.7% YoY
+6.2% QoQ
|
-$74.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.71%
-25.7% YoY
-11.2% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.05%
+4.7% YoY
+0.6% QoQ
|
-0.80% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
78.90%
+16.0% YoY
+3.5% QoQ
|
+11.18% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.01%
+6.7% YoY
+3.8% QoQ
|
+0.37% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
47.35%
+1.2% YoY
-5.8% QoQ
|
-27.17% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.26%
+17.7% YoY
+15.5% QoQ
|
+13.87% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+6.0% YoY
-1.3% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
16.06%
+0.6% YoY
-12.6% QoQ
|
+7.20% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.42%
-57.1% YoY
+19.7% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.26% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.35% · Tier avg: 74.53%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
32
32th pctile
Total Deposits
Current: $109.2M · Tier avg: $183.7M
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $114.9M · Tier avg: $217.5M
22
22th pctile
Efficiency Ratio
Current: 78.90% · Tier avg: 67.73%
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
22
22th pctile
Efficiency Ratio
Current: 78.90% · Tier avg: 67.73%
27
27th pctile
Total Assets
Current: $114.9M · Tier avg: $217.5M
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
32
32th pctile
Total Deposits
Current: $109.2M · Tier avg: $183.7M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.35% · Tier avg: 74.53%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.26% · Tier avg: 22.39%