Total Assets
$115M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$109M
Customer-funded liabilities
Net Loans
$52M
Outstanding loan book
Net Income
$785K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
15.52%
Efficiency Ratio
78.90%
What the numbers say about Peoples Bank of Greensboro
Peoples Bank of Greensboro is an FDIC-insured institution (Certificate #1730) headquartered in Greensboro, Alabama, established in 1904. It holds $115M in total assets - 3,624th of 4,313 FDIC-insured banks, $109M in customer deposits, and $52M in net loans. On safety, its Tier 1 capital ratio of 16.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 8.58% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Peoples Bank of Greensboro ranks 81st of 94 banks based in Alabama -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Alabama by total assets
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.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Peoples Bank of Greensboro's health grade?▼
Peoples Bank of Greensboro receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Peoples Bank of Greensboro?▼
Peoples Bank of Greensboro holds $115M in total assets and $109M in deposits, ranking 3,624th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greensboro, Alabama.
Is my money safe at Peoples Bank of Greensboro?▼
Yes, deposits at Peoples Bank of Greensboro (Certificate #1730) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Bank of Greensboro's Tier 1 Capital Ratio?▼
Peoples Bank of Greensboro has a Tier 1 Capital Ratio of 16.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Peoples Bank of Greensboro?▼
Peoples Bank of Greensboro has a Texas Ratio of 8.58%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Peoples Bank of Greensboro?▼
Peoples Bank of Greensboro has an Efficiency Ratio of 78.90%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples Bank of Greensboro's profile as a depositor or analyst.
- Peoples Bank of Greensboro's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Bank of Greensboro against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.