Greenfield Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.06 percentage points lower than in Q1 2026, at 185.33%. Greenfield Savings Bank ranks 51st of 89 Massachusetts banks on return on assets, in the lower half at 0.59% (Q2 2026). Greenfield Savings Bank's return on assets of 0.59% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.50% |
| Tier 1 risk-based capital ratio | 14.50% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.52% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 185.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 6.42% |
| Net interest margin | 3.04% |
| Efficiency ratio | 75.15% |
| Yield on earning assets | 5.03% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.68% |
| Core deposits to total deposits | 75.33% |
| Brokered deposits to total deposits | 9.78% |
| Deposits to assets | 82.39% |
| Securities to assets | 12.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.07% | 20.07% | 21.21% | 12.00% | 0.48% |
| Q4 2023 | 19.67% | 19.67% | 20.78% | 11.91% | 0.47% |
| Q1 2024 | 19.49% | 19.49% | 20.59% | 11.95% | 0.27% |
| Q2 2024 | 19.34% | 19.34% | 20.44% | 11.86% | 0.27% |
| Q3 2024 | 18.80% | 18.80% | 19.88% | 11.70% | 0.39% |
| Q4 2024 | 18.28% | 18.28% | 19.34% | 11.54% | 0.21% |
| Q1 2025 | 17.84% | 17.84% | 18.89% | 11.29% | 0.43% |
| Q2 2025 | 17.20% | 17.20% | 18.22% | 11.02% | 0.61% |
| Q3 2025 | 16.26% | 16.26% | 17.25% | 10.62% | 0.53% |
| Q4 2025 | 15.61% | 15.61% | 16.62% | 10.27% | 0.47% |
| Q1 2026 | 15.94% | 15.94% | 16.99% | 10.18% | 0.58% |
| Q2 2026 | 14.50% | 14.50% | 15.48% | 10.12% | 0.59% |
Greenfield Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90206) · FFIEC NIC profile (RSSD 632607)