Greeneville Federal Bank, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Greeneville Federal Bank, F.S.B. is an FDIC-insured savings institution headquartered in Greeneville, TN, established in 1960 (FDIC certificate 31198), and it is supervised by the OCC. At Q2 2026 it reported total assets of $203.9M, up 6.9% from Q2 2025, the 90th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 22.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31198
- Headquarters
- Greeneville, TN
- Established
- 1960
- Total assets, Q2 2026
- $203.9M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 22.14%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 264271345
- Latest call report
- Q2 2026, FFIEC 051 · Greeneville Federal Bank, F.S.B. call report
- Asset rank in state
- 90th of 109 in Tennessee
Greeneville Federal Bank, F.S.B. earns an unusually wide margin on its lending. Its balance sheet stood at $204 million at June 30, 2026, up 6.9% from a year earlier; it is based in Greeneville, Tennessee. It keeps 5.46 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 15.59% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $819,000, 62% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($22 million) is worsening: 12.02% of it is past due or on nonaccrual, up from 11.05% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Greeneville Federal Bank, F.S.B. reported a CET1 capital ratio of 22.14%, a return on assets of 1.61%, a nonperforming-loan ratio of 2.06% and a Texas ratio of 10.42%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Greeneville Federal Bank, F.S.B. is the 90th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $203.9M, loans fell 1.5% and deposits rose 2.8%. 1-4 family residential loans made up 49.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.7%. Its 3 offices in the FDIC Summary of Deposits are in Greeneville, TN. On its Q2 2026 call report, Greeneville Federal Bank, F.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Summer St, Greeneville, TN 37743
- County
- Greene
- Metro Area
- Greeneville, TN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 1960
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $162.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$32K
- Average total assets
- $203.2M
- Average total loans
- $172.1M
- Average interest-bearing deposits
- $136.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31198
- Fed RSSD
- 645577
- Website
- www.greenevillefederalbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Greeneville Federal Bank, F.S.B.'s total assets ran between $169.9M (Q3 2023) and $205.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$203.9M total assets against $190.8M; $172.2M total liabilities against $161.5M.
$168.8M net loans and leases against $157.4M; $162.3M total deposits against $150.2M.
$1.8M securities against $1.4M; $22.0M cash and balances due against $20.6M.
$3.5M total interest income against $2.9M; $888K total interest expense against $812K.
$2.6M net interest income against $2.1M.
$117K total noninterest income against $148K; $1.7M total noninterest expense against $1.5M.
-$34K provision for credit losses against $2K.
$819K net income against $506K.
1.61% return on assets against 1.07%; 5.46% net interest margin against 4.67%.
22.14% CET1 capital ratio against 21.52%; 15.59% tier 1 leverage ratio against 15.48%.
Inside the full Greeneville Federal Bank, F.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Greeneville Federal Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 243 of 2,134, for CET1 ratio; its furthest is 2,937 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 2.01% (Q1 2025) and its net interest margin ran from 4.29% (Q4 2024) to 5.46% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.14% | 1.61% | 2.06% | 10.42% | 5.46% |
| Q1 2026 | 20.92% | 0.87% | 1.91% | 10.03% | 4.47% |
| Q4 2025 | 20.78% | 0.87% | 2.00% | 10.51% | 4.58% |
| Q3 2025 | 20.58% | 1.30% | 2.05% | 10.86% | 4.77% |
| Q2 2025 | 21.52% | 1.07% | 1.93% | 9.80% | 4.67% |
| Q1 2025 | 21.29% | 2.01% | 2.54% | 13.13% | 4.37% |
| Q4 2024 | 21.04% | 0.84% | 0.21% | 1.10% | 4.29% |
| Q3 2024 | 20.69% | 0.71% | 0.09% | 0.72% | 4.40% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Greeneville Federal Bank, Fsb | Greeneville , TN | 37743 | $105.1M |
| 2305 E Andrew Johnson Hwy Branch | Greeneville , TN | 37745 | $43.3M |
| 903 Tusculum Boulevard Branch | Greeneville , TN | 37745 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS))
- July 1, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Greeneville Federal Bank, FSB
- July 1, 2011, OCC (former OTS): Cease and Desist: Greeneville Federal Bank, FSB
- December 31, 2007, OCC (former OTS): Termination of Cease and Desist: Greeneville Federal Bank, FSB
- September 11, 2006, OCC (former OTS): Cease and Desist: Greeneville Federal Bank, FSB
- Period: Most recent institution action July 1, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TN, rank 125 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Greeneville Federal Bank, F.S.B.
What are Greeneville Federal Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Greeneville Federal Bank, F.S.B. reported total assets of $203.9 million in its FFIEC call report.
Where is Greeneville Federal Bank, F.S.B. headquartered?
It is headquartered in Greeneville, TN, United States.
When was Greeneville Federal Bank, F.S.B. founded?
It was established in 1960, per the FDIC institution directory.
Is Greeneville Federal Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greeneville Federal Bank, F.S.B.?
Greeneville Federal Bank, F.S.B.'s primary federal regulator is the OCC.
What is Greeneville Federal Bank, F.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Greeneville Federal Bank, F.S.B. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greeneville Federal Bank, F.S.B.'s Texas Ratio?
Its Texas Ratio is 10.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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