Greenfield, TN · Cert 15255 · Greenfield Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
14
Profitability
38
Liquidity
70
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greenfield, TN · Cert 15255 · Greenfield Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.80% | 0.90% | 0.90% | 0.94% | 0.99% | 0.87% | 0.91% | +1 bps | |
| Return on Equity | 11.04% | 11.24% | 13.26% | 12.90% | 13.04% | 13.39% | 10.88% | 11.27% | -163 bps | |
| Net Interest Margin | 2.98% | 2.88% | 2.98% | 2.91% | 2.93% | 3.00% | 3.10% | 3.10% | +19 bps | |
| Efficiency Ratio | 61.33% | 62.12% | 61.36% | 61.31% | 60.22% | 60.38% | 61.18% | 60.79% | -53 bps | |
| Non-Interest Burden | 1.76% | 1.72% | 1.77% | 1.73% | 1.70% | 1.75% | 1.84% | 1.83% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.02% | 9.19% | 11.53% | 13.24% | 11.62% | 7.56% | 6.01% | 2.61% | -1,063 bps | |
| Loan Growth (YoY) | 11.08% | 8.50% | 2.56% | 0.65% | -2.11% | 0.10% | 4.59% | 3.31% | +267 bps | |
| Deposit Growth (YoY) | 12.39% | 10.06% | 13.23% | 13.18% | 11.03% | 3.14% | 4.68% | 0.31% | -1,288 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.41% | 1.69% | 1.43% | 1.22% | 1.70% | 1.63% | 1.03% | -40 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.40% | -0.03% | 0.00% | -0.05% | 0.04% | 0.36% | 0.12% | +12 bps | |
| Allowance / Loans | 1.20% | 1.03% | 1.07% | 1.03% | 1.08% | 1.05% | 0.98% | 1.00% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.6x | 0.7x | 0.9x | 0.6x | 0.6x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.99% | 7.68% | 7.65% | 8.23% | 8.23% | 8.35% | 8.48% | 8.54% | +31 bps | |
| Total Risk-Based Capital | 11.01% | 11.20% | 11.91% | 13.05% | 13.37% | 13.21% | 13.49% | 13.57% | +52 bps | |
| Equity / Assets | 7.39% | 6.67% | 6.83% | 7.34% | 7.87% | 8.11% | 7.96% | 8.13% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.07% | 71.37% | 67.83% | 66.60% | 65.30% | 69.26% | 67.78% | 68.59% | +200 bps | |
| Liquid Assets / Assets | 5.47% | 5.18% | 5.23% | 6.20% | 5.88% | 4.29% | 4.57% | 5.39% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 203% | 203% | 174.81% | n/a | n/a | |
Greenfield, TN · Cert 15255 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Greenfield Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.90%
Rank 462 of 746
Net Interest Margin
3.10%
Rank 582 of 746
Efficiency Ratio
60.79%
Rank 294 of 746
Equity / Assets
8.13%
Rank 636 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.72% | 1.06% | 1.45% | Beats 38% | 462 / 746 | ||
| Return on Equity | 11.06% | 6.74% | 10.51% | 13.63% | Beats 55% | 334 / 746 | ||
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 582 / 746 | ||
| Efficiency Ratio | 60.79% | 55.74% | 64.58% | 75.47% | Beats 61% | 294 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.09% | 0.42% | 1.07% | Beats 26% | 550 / 743 | ||
| Net Charge-Offs / Loans | 0.67% | 0.00% | 0.01% | 0.05% | Beats 2% | 728 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.66% | 11.55% | 13.75% | 17.60% | Beats 37% | 467 / 746 | ||
| Total Risk-Based Capital Ratio | 13.57% | 11.71% | 14.33% | 18.43% | Beats 43% | 426 / 746 | ||
| Equity / Assets | 8.13% | 8.90% | 10.51% | 13.06% | Beats 15% | 636 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.59% | 61.31% | 78.27% | 90.78% | 34th pctl | 496 / 746 | ||
| Loans / Assets | 61.41% | 53.60% | 66.97% | 76.08% | 38th pctl | 464 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||