Greenfield, MA · Cert 26397 · Greenfield Bcorp MHC
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 4.0% share · #8 of 15 inst. · $0.3B of $6.6B
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 | 0.52% | 0.58% | 0.65% | 0.60% | 0.67% | 0.59% | 0.64% | 0.50% | -10 bps | |
| Return on Equity | 4.64% | 5.17% | 5.92% | 5.37% | 5.94% | 5.18% | 5.58% | 4.50% | -87 bps | |
| Net Interest Margin | 2.79% | 2.79% | 2.78% | 2.92% | 2.93% | 2.97% | 2.99% | 3.05% | +14 bps | |
| Efficiency Ratio | 77.83% | 78.72% | 75.56% | 77.45% | 74.77% | 75.18% | 75.24% | 78.21% | +75 bps | |
| Non-Interest Burden | 2.11% | 2.14% | 2.04% | 2.20% | 2.12% | 2.17% | 2.19% | 2.34% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | 5.40% | 7.10% | 9.19% | 8.98% | 7.60% | 5.53% | 8.37% | -81 bps | |
| Loan Growth (YoY) | 4.80% | 4.35% | 6.40% | 5.75% | 2.38% | 4.04% | 4.21% | 7.90% | +215 bps | |
| Deposit Growth (YoY) | -1.13% | 6.25% | 7.66% | 9.55% | 9.88% | 7.23% | 5.49% | 8.95% | -60 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.84% | 0.79% | 0.87% | 0.78% | 0.91% | 0.89% | 0.72% | -15 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 0.97% | 0.94% | 0.91% | 0.93% | 0.95% | 0.96% | 0.96% | +5 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.1x | 1.2x | 1.0x | 1.2x | 1.0x | 1.1x | 1.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.99% | 12.79% | 12.76% | 12.51% | 12.50% | 12.59% | 12.63% | 12.47% | -3 bps | |
| Total Risk-Based Capital | 12.99% | 12.79% | 12.76% | 12.51% | 12.50% | 12.59% | 12.63% | 12.47% | -3 bps | |
| Equity / Assets | 11.61% | 10.99% | 11.08% | 11.09% | 11.34% | 11.46% | 11.36% | 10.87% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.86% | 73.15% | 71.20% | 70.34% | 69.76% | 70.97% | 70.33% | 69.66% | -68 bps | |
| Liquid Assets / Assets | 4.47% | 6.32% | 8.94% | 9.40% | 9.61% | 8.84% | 9.57% | 10.77% | +137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.21% | 118.22% | 118.27% | n/a | n/a | |