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Greenleaf Trust N.A.

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Kalamazoo, MI Under $100M in assets RSSD #2938787 Routing #073957025

Data as of · sourced from FFIEC call reports. How we update

Greenleaf Trust N.A. is an FDIC-insured bank headquartered in Kalamazoo, MI. At Q2 2026 it reported total assets of $47.1M, down 10.5% from Q2 2025.

Charter
Bank
Deposit insurance
FDIC
FDIC certificate
Not reported
Headquarters
Kalamazoo, MI
Established
Not reported
Total assets, Q2 2026
$47.1M
Assets vs Q2 2025
-10.5%
Capital ratio
Not reported
Domestic offices
Not reported
Routing number
073957025
Latest call report
Q2 2026, FFIEC 041 · Greenleaf Trust N.A. call report
Assets
$47.1M
Deposits
$0
Loans
$0
Equity
$34.1M

Greenleaf Trust N.A. is one of the more profitable banks of its size. The Kalamazoo, Michigan bank had $47 million in assets at June 30, 2026, down 10.5% from a year earlier. It returns 36.9% a year on shareholders' equity, 4.3 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also keeps 5.54 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).

Earnings fell sharply: quarterly net income of $3.2 million was 71% below a year earlier.

As of June 30, 2026, Greenleaf Trust N.A. reported a return on assets of 28.72% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.

Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.4% to $47.1M. On its Q2 2026 call report, Greenleaf Trust N.A. meets the community bank leverage ratio test for well capitalized.

Headquarters Profile

Metro Area
Kalamazoo-Portage, MI
Federal Reserve member
—
Federal Reserve district
District 7, Chicago
Fiduciary (trust) powers
—
Call Report form
FFIEC 041
Employees (FTE)
205
Domestic deposits
$0
Allowance for credit losses
$0
Net charge-offs (YTD)
$0
Average total assets
$44.9M
Average total loans
$0
Average interest-bearing deposits
$0
Fed RSSD
2938787

Profitability

Q2 annualized
Return on Assets28.72%YTD 31.44%
Return on Equity36.91%YTD 39.01%
Net Interest Margin5.54%YTD 4.68%

Balance Sheet

Total liabilities$13.0M
Cash & balances due$13.3M
Securities, available-for-sale$10.7M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$3.2M
Net interest income YTD$551K
Total interest income YTD$551K
Total interest expense YTD$0
Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$34.2M
Total noninterest expense YTD$28.0M

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. As a community bank leverage ratio filer, Greenleaf Trust N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures

Quarterly trends

Over the 5 quarters to Q2 2026, Greenleaf Trust N.A.'s total assets ran between $41.1M (Q4 2025) and $54.9M (Q3 2025), and it earned a profit in all 5 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$47.1M total assets against $52.6M; $13.0M total liabilities against $10.8M.

Loans and leases against deposits

$0 net loans and leases against $0; $0 total deposits against $0.

Securities and cash

$10.7M securities against $10.5M; $13.3M cash and balances due against $15.0M.

Interest income against interest expense

$339K total interest income against $278K; $0 total interest expense against $0.

Net interest income

$339K net interest income against $278K.

Noninterest income against noninterest expense

$17.3M total noninterest income against $24.0M; $14.4M total noninterest expense against $13.2M.

Provision for credit losses

No provision recorded in the last 5 quarters.

Net income

$3.2M net income against $11.1M.

Return on assets and net interest margin

28.72% return on assets against 105.70%; 5.54% net interest margin against 5.17%.

CET1 and Tier 1 leverage ratios

75.92% tier 1 leverage ratio against 99.18%.

Inside the full Greenleaf Trust N.A. terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 6 quarters

From Q1 2025 to Q2 2026, its return on assets ran from 21.31% (Q4 2025) to 105.70% (Q2 2025) and its net interest margin ran from 3.74% (Q1 2026) to 5.54% (Q2 2026).

Quarter Leverage ROA NPL Texas NIM
Q2 2026 75.92% 28.72% — 0.00% 5.54%
Q1 2026 86.86% 34.40% — 0.00% 3.74%
Q4 2025 72.49% 21.31% — 0.00% 5.42%
Q3 2025 93.26% 25.43% — 0.00% 5.36%
Q2 2025 99.18% 105.70% — 0.00% 5.17%
Q1 2025 90.13% 36.11% — 0.00% 3.81%

Swipe the table sideways to see every column.

Regulatory record

Facts as filed or published, not a rating.

Not on file
Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, 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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Greenleaf Trust N.A.: regulatory capital profile · BankRegReports

Frequently asked about Greenleaf Trust N.A.

What are Greenleaf Trust N.A.'s total assets?

As of the Q2 2026 filing, Greenleaf Trust N.A. reported total assets of $47.1 million in its FFIEC call report.

Where is Greenleaf Trust N.A. headquartered?

It is headquartered in Kalamazoo, MI, United States.

What is Greenleaf Trust N.A.'s Texas Ratio?

Its Texas Ratio is 0.00% 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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