Greenfield Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.39 percentage points higher than in Q1 2026, at 202.45%. Within Massachusetts, Greenfield Savings Bank is 29th of 89 on loan-to-deposit ratio, 100.68% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Greenfield Savings Bank sits 12.48 points higher, at 100.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.26B |
| Net loans and leases | $1.25B |
| Loans held for sale | $0 |
| Loans to total assets | 82.96% |
| Loan-to-deposit ratio | 100.68% |
| Net loans to equity capital | 8.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.34% |
| Multifamily (5+ residential) | 14.14% |
| Commercial and industrial | 5.91% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.45% |
| Construction concentration (Tier 1 capital + allowance) | 29.46% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.32% |
| Interest income on loans | $16.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $855.3M | $1.02B | 15.02% | 3.50% | 0.06% |
| Q4 2023 | $885.8M | $1.01B | 15.55% | 3.52% | 0.09% |
| Q1 2024 | $903.2M | $1.01B | 15.49% | 3.76% | 0.11% |
| Q2 2024 | $921.5M | $1.04B | 15.31% | 3.80% | 0.12% |
| Q3 2024 | $956.7M | $1.02B | 14.62% | 3.88% | 0.14% |
| Q4 2024 | $987.6M | $1.03B | 15.02% | 4.26% | 0.14% |
| Q1 2025 | $1.01B | $1.13B | 15.40% | 3.66% | 0.14% |
| Q2 2025 | $1.06B | $1.15B | 15.40% | 4.38% | 0.14% |
| Q3 2025 | $1.12B | $1.17B | 15.98% | 5.26% | 0.14% |
| Q4 2025 | $1.19B | $1.14B | 16.91% | 5.53% | 0.16% |
| Q1 2026 | $1.21B | $1.24B | 17.14% | 5.52% | 0.16% |
| Q2 2026 | $1.26B | $1.25B | 16.34% | 5.91% | 0.15% |
Greenfield Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Savings Bank, freeSource: Call Report Schedule RC-C, 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)