Greenfield Co-Operative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.87 percentage points in Q2 2026, from 82.98% to 96.85%. It was the largest change from Q1 2026 among the key lines here. Greenfield Co-Operative Bank ranks 60th of 89 Massachusetts banks on return on assets, in the lower half at 0.50% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Greenfield Co-Operative Bank reported 0.50% on return on assets in Q2 2026, 0.76 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.47% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.99% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.34% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 96.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 4.50% |
| Net interest margin | 3.25% |
| Efficiency ratio | 77.55% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.66% |
| Core deposits to total deposits | 87.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.71% |
| Securities to assets | 21.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.35% | 0.85% | 3.30% | 0.30% | 0.00% |
| Q4 2023 | 12.56% | 0.89% | 3.23% | 0.61% | 0.00% |
| Q1 2024 | 13.00% | 0.70% | 3.08% | 0.56% | 0.01% |
| Q2 2024 | 12.93% | 0.52% | 2.97% | 0.86% | -0.00% |
| Q3 2024 | 12.99% | 0.51% | 3.00% | 0.80% | -0.15% |
| Q4 2024 | 12.79% | 0.57% | 2.98% | 0.95% | -0.06% |
| Q1 2025 | 12.76% | 0.64% | 2.97% | 0.99% | 0.00% |
| Q2 2025 | 12.51% | 0.58% | 3.12% | 1.07% | -0.00% |
| Q3 2025 | 12.50% | 0.65% | 3.13% | 0.91% | 0.00% |
| Q4 2025 | 12.59% | 0.58% | 3.15% | 1.25% | 0.00% |
| Q1 2026 | 12.63% | 0.63% | 3.18% | 1.16% | 0.00% |
| Q2 2026 | 12.47% | 0.50% | 3.25% | 0.99% | 0.00% |
Greenfield Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Co-Operative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Greenfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26397) · FFIEC NIC profile (RSSD 326979)