Greenfield Co-operative Bank
Greenfield, MA · Cert 26397 · Peer group: banks under $1B in assets (n=581-629) · Greenfield Bcorp MHC
State charter, Fed member · FED · 10 branches
Q2 2026
$901.8MAssets
$557.3MLoans
$800.0MDeposits
$98.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 72% of banks under $1B in assets (rank 168 of 581).
- Widest gap: return on assets trails 78% of banks under $1B in assets (rank 493 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.54%
Rank 493 of 629
Net Interest Margin
2.99%
Rank 478 of 629
Efficiency Ratio
76.75%
Rank 442 of 629
Equity / Assets
10.87%
Rank 298 of 629
Non-interest income vs. expense
Unfavorable gap of $19.7M · efficiency ratio beats 30% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.60% | 1.01% | 1.45% | Beats 22% | 493 / 629 | |
| Return on Equity | 5.01% | 5.38% | 9.30% | 13.28% | Beats 23% | 486 / 629 | |
| Net Interest Margin | 2.99% | 3.03% | 3.54% | 4.05% | Beats 24% | 478 / 629 | |
| Efficiency Ratio | 76.75% | 58.35% | 67.79% | 79.08% | Beats 30% | 442 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.46% | 1.20% | Beats 38% | 364 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 168 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 11.24% | 13.84% | 18.77% | Beats 38% | 390 / 629 | |
| Total Risk-Based Capital Ratio | 12.47% | 11.58% | 14.43% | 19.66% | Beats 33% | 420 / 629 | |
| Equity / Assets | 10.87% | 9.09% | 10.65% | 13.80% | Beats 53% | 298 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 69.66% | 67.24% | 80.90% | 93.48% | 30th pctl | 415 / 594 | |
| Loans / Assets | 61.80% | 53.31% | 67.71% | 78.15% | 38th pctl | 391 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |