Greenfield Banking Company
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
$151.2MAssets
$92.8MLoans
$135.4MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 61% of banks under $1B in assets operating in a single state (rank 294 of 746).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets operating in a single state (rank 728 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | 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 |