Greenfield, TN · Cert 15255 · Greenfield Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.81% | 0.90% | 0.90% | 1.01% | 1.12% | 0.87% | 0.95% | +4 bps | |
| Return on Equity | 8.31% | 11.46% | 13.26% | 12.72% | 13.30% | 14.04% | 10.88% | 11.75% | -98 bps | |
| Net Interest Margin | 3.04% | 2.90% | 2.98% | 2.99% | 3.07% | 3.12% | 3.10% | 3.15% | +16 bps | |
| Efficiency Ratio | 59.17% | 64.46% | 61.36% | 61.27% | 58.22% | 60.83% | 61.18% | 60.40% | -87 bps | |
| Non-Interest Burden | 1.73% | 1.80% | 1.77% | 1.78% | 1.70% | 1.84% | 1.84% | 1.84% | +6 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 | 0.18% | 1.33% | -0.03% | 0.04% | -0.15% | 0.29% | 0.36% | -0.11% | -15 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 | |