Greenfield Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Risk-weighted assets: 11.6% higher than in Q1 2026, at $1.05B. Greenfield Savings Bank ranks 27th of 59 Massachusetts banks on CET1 ratio, in the upper half at 14.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Greenfield Savings Bank sits 1.00 points higher, at 14.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.50% |
| Tier 1 risk-based capital ratio | 14.50% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 10.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $152.1M |
| Tier 1 capital | $152.1M |
| Total risk-based capital | $162.4M |
| Total equity capital | $140.8M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 9.22% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 6.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $9K |
| Retained earnings | $152.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.07% | 20.07% | 21.21% | 12.00% | $678.3M |
| Q4 2023 | 19.67% | 19.67% | 20.78% | 11.91% | $699.1M |
| Q1 2024 | 19.49% | 19.49% | 20.59% | 11.95% | $709.3M |
| Q2 2024 | 19.34% | 19.34% | 20.44% | 11.86% | $719.0M |
| Q3 2024 | 18.80% | 18.80% | 19.88% | 11.70% | $745.9M |
| Q4 2024 | 18.28% | 18.28% | 19.34% | 11.54% | $770.8M |
| Q1 2025 | 17.84% | 17.84% | 18.89% | 11.29% | $797.2M |
| Q2 2025 | 17.20% | 17.20% | 18.22% | 11.02% | $838.6M |
| Q3 2025 | 16.26% | 16.26% | 17.25% | 10.62% | $898.0M |
| Q4 2025 | 15.61% | 15.61% | 16.62% | 10.27% | $946.3M |
| Q1 2026 | 15.94% | 15.94% | 16.99% | 10.18% | $940.3M |
| Q2 2026 | 14.50% | 14.50% | 15.48% | 10.12% | $1.05B |
Greenfield Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Savings Bank, freeSource: Call Report Schedule RC-R, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90206) · FFIEC NIC profile (RSSD 632607)