Greenfield Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Greenfield Savings Bank is an FDIC-insured savings bank headquartered in Greenfield, MA, established in 1869 (FDIC certificate 90206), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.52B, up 14.7% from Q2 2025, the 36th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 14.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90206
- Headquarters
- Greenfield, MA
- Established
- 1869
- Total assets, Q2 2026
- $1.52B
- Assets vs Q2 2025
- +14.7%
- CET1 ratio, Q2 2026
- 14.50%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211870799
- Holding company
- GSB, MHC
- Asset rank in state
- 36th of 89 in Massachusetts
Greenfield Savings Bank, based in Greenfield, Massachusetts, reported $1.5 billion in assets at June 30, 2026, up 14.7% from a year earlier. It grew its loan book 19.4% over the year, about triple the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also earns about $0.59 a year on every $100 of assets, about half the median of $1.29 for banks its size.
Net income for the quarter rose 12% from a year earlier, to $2.2 million. Over the same year, loans grew 19.4% and deposits grew 9.6%. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Greenfield Savings Bank reported a CET1 capital ratio of 14.50%, a return on assets of 0.59%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 3.52%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Greenfield Savings Bank is the 36th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $1.52B, loans rose 4.2% and deposits rose 1.2%. 1-4 family residential loans made up 59.6% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 14.1%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in MA; its Greenfield office books 44% of its branch deposits. Judged on its Q2 2026 call report, Greenfield Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Main St, Greenfield, MA 01301
- County
- Franklin
- Metro Area
- Greenfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 19, 1869
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 209
- Domestic deposits
- $1.25B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.50B
- Average total loans
- $1.24B
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1985
- FDIC Cert
- 90206
- Fed RSSD
- 632607
- Website
- greenfieldsavings.com →
- Parent Holding Company
- GSB, MHC (RSSD 3309889)
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, Greenfield Savings Bank's total assets ran between $1.14B (Q3 2023) and $1.52B (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
$1.52B total assets against $1.33B; $1.38B total liabilities against $1.20B.
$1.25B net loans and leases against $1.05B; $1.25B total deposits against $1.15B.
$183.1M securities against $206.8M; $17.8M cash and balances due against $14.9M.
$18.2M total interest income against $14.8M; $7.3M total interest expense against $5.6M.
$10.9M net interest income against $9.2M.
$2.5M total noninterest income against $2.5M; $10.2M total noninterest expense against $8.8M.
$363K provision for credit losses against $230K.
$2.2M net income against $2.0M.
0.59% return on assets against 0.61%; 3.04% net interest margin against 3.02%.
14.50% CET1 capital ratio against 17.20%; 10.12% tier 1 leverage ratio against 11.02%.
Inside the full Greenfield Savings Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Greenfield Savings Bank rankings
Its closest position to the top of a national ranking is 726 of 4,196, for total assets; its furthest is 3,136 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q4 2024) to 0.61% (Q2 2025) and its net interest margin ran from 2.74% (Q3 2024) to 3.27% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.50% | 0.59% | 0.42% | 3.52% | 3.04% |
| Q1 2026 | 15.94% | 0.58% | 0.39% | 3.20% | 3.27% |
| Q4 2025 | 15.61% | 0.47% | 0.37% | 2.98% | 3.20% |
| Q3 2025 | 16.26% | 0.53% | 0.36% | 2.86% | 3.05% |
| Q2 2025 | 17.20% | 0.61% | 0.33% | 2.58% | 3.02% |
| Q1 2025 | 17.84% | 0.43% | 0.35% | 2.68% | 2.93% |
| Q4 2024 | 18.28% | 0.21% | 0.36% | 2.71% | 2.88% |
| Q3 2024 | 18.80% | 0.39% | 0.36% | 2.57% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 Savings Bank (main office) | Greenfield , MA | 01301 | $549.7M |
| Turners Falls Branch | Turners Falls , MA | 01376 | $154.0M |
| South Deerfield Branch | South Deerfield , MA | 01373 | $135.6M |
| King Street Northampton Branch | Northampton , MA | 01060 | $125.2M |
| University Drive Branch | Amherst , MA | 01002 | $123.3M |
| Shelburne Falls Branch | Shelburne Falls , MA | 01370 | $82.8M |
| Hadley Branch | Hadley , MA | 01035 | $33.5M |
| Conway Branch | Conway , MA | 01341 | $32.2M |
| Easthampton Branch | Easthampton , MA | 01027 | $18.2M |
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 |
|---|---|---|---|
| July 3, 1967 | M&A | Acquired Crocker Institution for Savings merger for the acquired bank | SEC |
| July 3, 1967 | Structure Change | Acquired Crocker Institution for Savings 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
- 0.2% of deposits in MA, rank 42 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 576 applications, 422 loans originated, $172.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Savings Bank
What are Greenfield Savings Bank's total assets?
As of the Q2 2026 filing, Greenfield Savings Bank reported total assets of $1.52 billion in its FFIEC call report.
Where is Greenfield Savings Bank headquartered?
It is headquartered in Greenfield, MA, United States.
When was Greenfield Savings Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Greenfield Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greenfield Savings Bank?
Greenfield Savings Bank's primary federal regulator is the FDIC.
What is Greenfield Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Greenfield Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greenfield Savings Bank's Texas Ratio?
Its Texas Ratio is 3.52% 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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