Greenville Federal
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Data as of · sourced from FFIEC call reports. How we update
Greenville Federal is an FDIC-insured savings institution headquartered in Greenville, OH, established in 1883 (FDIC certificate 27965), and it is supervised by the OCC. At Q2 2026 it reported total assets of $263.9M, up 0.9% from Q2 2025, the 87th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 11.16% at Q2 2026, above regulatory requirements.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27965
- Headquarters
- Greenville, OH
- Established
- 1883
- Total assets, Q2 2026
- $263.9M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 11.16%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 242272159
- Latest call report
- Q2 2026, FFIEC 051 · Greenville Federal call report
- Holding company
- GREENVILLE FEDERAL FINANCIAL CORPORATION
- Asset rank in state
- 87th of 154 in Ohio
Greenville Federal spends more to run itself than most banks of its size. The Greenville, Ohio bank had $264 million in assets at June 30, 2026. It earns about $0.21 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.09% of loans from 0.46%. Loans and deposits moved in opposite directions: over the year loans fell 2.0% and deposits rose 3.2%. Where it has less room is capital: it holds common equity equal to 11.16% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Greenville Federal reported a CET1 capital ratio of 11.16%, a return on assets of 0.21%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 4.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Greenville Federal is the 87th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $263.9M, loans fell 2.7% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 63.8% of total loans, ahead of commercial and industrial loans at 14.1%. The FDIC Summary of Deposits lists 4 offices for it, in Greenville, OH, Troy, OH and Tipp City, OH; its Greenville office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, Greenville Federal meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 690 Wagner Ave, Greenville, OH 45331
- County
- Darke
- Metro Area
- Greenville, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $240.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $265.0M
- Average total loans
- $204.9M
- Average interest-bearing deposits
- $195.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27965
- Fed RSSD
- 567679
- SEC CIK
- 1348184 → filed by GREENVILLE FEDERAL MHC
- Website
- www.greenvillefederal.com →
- Parent Holding Company
- GREENVILLE FEDERAL FINANCIAL CORPORATION (RSSD 3828607)
- Ultimate Parent
- GREENVILLE FEDERAL MHC (RSSD 3828595)
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
Greenville Federal's total assets moved between a low of $239.0M (Q4 2023) and a high of $269.2M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$263.9M total assets against $261.5M; $243.2M total liabilities against $241.5M.
$209.0M net loans and leases against $213.4M; $240.8M total deposits against $233.4M.
$15.3M securities against $17.3M; $21.6M cash and balances due against $13.4M.
$3.1M total interest income against $3.0M; $1.1M total interest expense against $1.1M.
$2.0M net interest income against $1.9M.
$394K total noninterest income against $409K; $2.2M total noninterest expense against $2.2M.
$0 provision for credit losses against $50K.
$139K net income against $12K.
0.21% return on assets against 0.02%; 3.39% net interest margin against 3.15%.
11.16% CET1 capital ratio against 10.52%; 7.80% tier 1 leverage ratio against 7.80%.
Inside the full Greenville Federal 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Greenville Federal rankings
Its closest position to the top of a national ranking is 1,400 of 3,640, for Texas Ratio; its furthest is 3,514 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.29% (Q4 2024) to 0.21% (Q2 2026) and its net interest margin ran from 2.80% (Q4 2024) to 3.40% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 0.21% | 0.09% | 4.79% | 3.39% |
| Q1 2026 | 10.64% | 0.16% | 0.08% | 4.70% | 3.40% |
| Q4 2025 | 10.57% | 0.20% | 0.08% | 4.74% | 3.36% |
| Q3 2025 | 10.53% | 0.11% | 0.06% | 4.96% | 3.17% |
| Q2 2025 | 10.52% | 0.02% | 0.46% | 4.53% | 3.15% |
| Q1 2025 | 10.69% | -0.13% | 0.48% | 4.61% | 3.05% |
| Q4 2024 | 10.69% | -1.29% | 0.46% | 4.51% | 2.80% |
| Q3 2024 | 11.31% | -0.29% | 0.51% | 4.81% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Greenville Federal (main office) | Greenville , OH | 45331 | $187.7M |
| Troy South Banking Center Branch | Troy , OH | 45373 | $24.8M |
| Tipp City Banking Center Branch | Tipp City , OH | 45371 | $18.4M |
| Troy North Banking Center Branch | Troy , OH | 45373 | $9.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 96 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 152 applications, 128 loans originated, $27.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $144K approved, $72K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Greenville Federal
What are Greenville Federal's total assets?
As of the Q2 2026 filing, Greenville Federal reported total assets of $263.9 million in its FFIEC call report.
Where is Greenville Federal headquartered?
It is headquartered in Greenville, OH, United States.
When was Greenville Federal founded?
It was established in 1883, per the FDIC institution directory.
Is Greenville Federal FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27965). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greenville Federal?
Greenville Federal's primary federal regulator is the OCC.
What is Greenville Federal's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does Greenville Federal operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greenville Federal's Texas Ratio?
Its Texas Ratio is 4.79% 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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