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Greenfield Banking Company

Greenfield, TN · Cert 15255 · Greenfield Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$151.2MAssets
$92.8MLoans
$135.4MDeposits
$12.3MEquity
Loan mix
59%RE $50.5M30%C&I $25.1M11%Consumer $9.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $120.1M11%Noninterest $15.3MQ2 2025Q2 2026

NIM

6.19%Q2 ’245.80%Q2 ’255.65%Q2 ’26-4%+7%

Non-interest income vs. expense

2.02%Q2 ’241.87%Q2 ’251.98%Q2 ’26-5%+5%

Executive Summary

  • Earnings: ROA of 0.91%, up 1 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.03% of loans (-40 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 8.54%, up 31 bps from a year ago.
  • Funding: loans stand at 68.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+19 bps YoY

Efficiency Ratio (YTD, annualized)

60.79%-53 bps YoY

Tier 1 Leverage Ratio

8.54%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.94%0.99%0.87%0.91%+1 bps
Return on Equity12.90%13.04%13.39%10.88%11.27%-163 bps
Net Interest Margin2.91%2.93%3.00%3.10%3.10%+19 bps
Efficiency Ratio61.31%60.22%60.38%61.18%60.79%-53 bps
Non-Interest Burden1.73%1.70%1.75%1.84%1.83%+9 bps
Growth
Asset Growth (YoY)13.24%11.62%7.56%6.01%2.61%-1,063 bps
Loan Growth (YoY)0.65%-2.11%0.10%4.59%3.31%+267 bps
Deposit Growth (YoY)13.18%11.03%3.14%4.68%0.31%-1,288 bps
Asset Quality
Nonperforming Loans / Loans1.43%1.22%1.70%1.63%1.03%-40 bps
Net Charge-Offs / Loans0.00%-0.05%0.04%0.36%0.12%+12 bps
Allowance / Loans1.03%1.08%1.05%0.98%1.00%-3 bps
Allowance Coverage of NPLs0.7x0.9x0.6x0.6x1.0x+0.2x
Capital
Tier 1 Leverage Ratio8.23%8.23%8.35%8.48%8.54%+31 bps
Total Risk-Based Capital13.05%13.37%13.21%13.49%13.57%+52 bps
Equity / Assets7.34%7.87%8.11%7.96%8.13%+79 bps
Liquidity & Funding
Loans / Deposits66.60%65.30%69.26%67.78%68.59%+200 bps
Liquid Assets / Assets6.20%5.88%4.29%4.57%5.39%-81 bps
CRE / Total Capitaln/a203%203%174.81%n/an/a