FDIC Cert #1730 · Greensboro, Alabama · Est. 1904

Peoples Bank of Greensboro - FDIC Bank Health Profile

A community-scale look at Peoples Bank of Greensboro's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$115M
Total assets
B
Health grade · Good
0.71%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Bank of Greensboro earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.06% Tier 1, 0.71% ROA, 79% efficiency ratio.

#3,624
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
16.06%
Tier 1 ratio - above the 10% well-capitalized line
25th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1730 · AL B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2658/4307
  • PHOTO-FINISH The Wanda State Bank · MN
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 8.6% Texas
  • ROA-THIN 0.71% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: The Wanda State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples Bank of Greensboro

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ireland Bank · ID · near74/100Peoples Bank of Gree… · AL ·…74/100The State Bank of Ge… · IL ·…74/100The Wanda State Bank · MN · …74/100Woodlands National B… · MN ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Bank of Greensboro · July 2026

What Peoples Bank of Greensboro's Call Report plate shows

Peoples Bank of Greensboro (FDIC Cert #1730) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,658 of 4,307. Tier 1 capital prints at 16.06%, clearing the 10% well-capitalized line. The Texas Ratio is 8.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.71%. Balance-sheet scale is $115M, 3,624th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Wanda State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples Bank of Greensboro

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Peoples Bank of Greensboro's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Peoples Bank of Greensboro remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Peoples Bank of Greensboro's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Peoples Bank of Greensboro's composite health score
Tier 1 Capital Ratio (16.06%) 40/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (8.58%) 16/20
Efficiency Ratio (78.90%) 4/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$115M

Total balance-sheet footings

Total Deposits

$109M

Customer-funded liabilities

Net Loans

$52M

Outstanding loan book

Net Income

$785K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.66% 16.06% 17.46%
Basel III capital ratios - Peoples Bank of Greensboro

Where Peoples Bank of Greensboro ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank of Greensboro's score of 74/100 falls in the highlighted band.

Peoples Bank of Greensboro: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Peoples Bank of Greensboro 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples Bank of Greensboro's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Bank of Greensboro's $115M falls in the highlighted band.

Safety ratios for Peoples Bank of Greensboro

Tier 1 capital ratio
Well-capitalized 10%

16.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.06%
Texas Ratio
8.58%
Equity Capital
$5M

What these ratios mean →

Profitability metrics: Peoples Bank of Greensboro

Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
15.52%
Efficiency Ratio
78.90%

What these mean →

Income & expense at Peoples Bank of Greensboro

$5M
Interest Income
$486K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank of Greensboro reports a Texas Ratio of 8.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Bank of Greensboro on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($115M here), outside Alabama so the neighborhood is not state containment.

Woodsfield Savings Bank $115M · OH The First National Bank of Nevada, Mi… $115M · MO The Farmers Bank $115M · OK Citizens Bank & Trust $115M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank of Greensboro (FDIC Cert #1730) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Peoples Bank of Greensboro Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%