Greenfield Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Greenfield Co-Operative Bank is an FDIC-insured commercial bank headquartered in Greenfield, MA, established in 1905 (FDIC certificate 26397), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $901.8M, up 8.4% from Q2 2025, the 52nd largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26397
- Headquarters
- Greenfield, MA
- Established
- 1905
- Total assets, Q2 2026
- $901.8M
- Assets vs Q2 2025
- +8.4%
- Tier 1 leverage ratio, Q2 2026
- 12.47%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211870281
- Latest call report
- Q2 2026, FFIEC 051 · Greenfield Co-Operative Bank call report
- Holding company
- GREENFIELD BANCORP MHC
- Asset rank in state
- 52nd of 89 in Massachusetts
Greenfield Co-Operative Bank, based in Greenfield, Massachusetts, reported $902 million in assets at June 30, 2026, up 8.4% from a year earlier. It returns 4.5% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter slipped 10% from a year earlier, to $1.1 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.71% of loans, down from 0.86% a year earlier. Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Greenfield Co-Operative Bank reported a return on assets of 0.50%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 3.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Greenfield Co-Operative Bank is the 52nd largest of the 89 banks headquartered in Massachusetts. From Q1 2026 to Q2 2026, its total assets rose 5.1% to $901.8M, loans rose 4.7% and deposits rose 5.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 64.9% of total loans, followed by multifamily loans at 12.1%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in MA; its Greenfield 2 offices book 38% of its branch deposits. Judged on its Q2 2026 call report, Greenfield Co-Operative Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 63 Federal St, Greenfield, MA 01301
- County
- Franklin
- Metro Area
- Greenfield, MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $800.0M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $881.7M
- Average total loans
- $540.2M
- Average interest-bearing deposits
- $628.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 22, 1985
- FDIC Cert
- 26397
- Fed RSSD
- 326979
- Website
- www.greenfieldcoopbank.com →
- Parent Holding Company
- GREENFIELD BANCORP MHC (RSSD 3736690)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Greenfield Co-Operative Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Greenfield Co-Operative Bank's total assets ran between $745.8M (Q4 2023) and $901.8M (Q2 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
$901.8M total assets against $832.1M; $803.8M total liabilities against $739.9M.
$552.0M net loans and leases against $511.8M; $800.0M total deposits against $734.3M.
$194.5M securities against $187.5M; $105.5M cash and balances due against $88.9M.
$9.5M total interest income against $9.0M; $2.8M total interest expense against $2.9M.
$6.7M net interest income against $6.1M.
$535K total noninterest income against $519K; $5.7M total noninterest expense against $5.1M.
$209K provision for credit losses against -$2K.
$1.1M net income against $1.2M.
0.50% return on assets against 0.58%; 3.25% net interest margin against 3.12%.
12.47% tier 1 leverage ratio against 12.51%.
Inside the full Greenfield Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGreenfield Co-Operative Bank rankings
Its closest position to the top of a national ranking is 1,131 of 4,196, for total assets; its furthest is 3,246 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q2 2026) to 0.65% (Q3 2025) and its net interest margin ran from 2.97% (Q1 2025) to 3.25% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.47% | 0.50% | 0.72% | 3.83% | 3.25% |
| Q1 2026 | 12.63% | 0.63% | 0.89% | 4.58% | 3.18% |
| Q4 2025 | 12.59% | 0.58% | 0.91% | 4.68% | 3.15% |
| Q3 2025 | 12.50% | 0.65% | 0.78% | 3.94% | 3.13% |
| Q2 2025 | 12.51% | 0.58% | 0.87% | 4.57% | 3.12% |
| Q1 2025 | 12.76% | 0.64% | 0.79% | 4.18% | 2.97% |
| Q4 2024 | 12.79% | 0.57% | 0.84% | 4.59% | 2.98% |
| Q3 2024 | 12.99% | 0.51% | 0.57% | 2.95% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Greenfield Co-Operative Bank (main office) | Greenfield , MA | 01301 | $173.4M |
| Federal Street Branch | Greenfield , MA | 01301 | $126.8M |
| Shelburne Falls Branch | Shelburne Falls , MA | 01370 | $75.2M |
| College Street Branch | Amherst , MA | 01002 | $74.8M |
| Northampton Branch | Northampton , MA | 01060 | $72.8M |
| Northfield Branch | Northfield , MA | 01360 | $64.7M |
| Sunderland Branch | Sunderland , MA | 01375 | $61.4M |
| Florence Office Branch | Florence , MA | 01062 | $57.5M |
| South Hadley Branch | South Hadley , MA | 01075 | $57.0M |
| Turners Falls Branch | Turners Falls , MA | 01376 | $36.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired The Northampton Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 60 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 350 applications, 274 loans originated, $77.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $166K approved, $41K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Greenfield Co-Operative Bank
What are Greenfield Co-Operative Bank's total assets?
As of the Q2 2026 filing, Greenfield Co-Operative Bank reported total assets of $901.8 million in its FFIEC call report.
Where is Greenfield Co-Operative Bank headquartered?
It is headquartered in Greenfield, MA, United States.
When was Greenfield Co-Operative Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Greenfield Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greenfield Co-Operative Bank?
Greenfield Co-Operative Bank's primary federal regulator is the Federal Reserve.
How many branches does Greenfield Co-Operative Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greenfield Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 3.83% 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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