Greeneville Federal Bank, F.S.B.
Greeneville, TN · Cert 31198 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 3 branches
Q2 2026
$203.9MAssets
$170.9MLoans
$162.3MDeposits
$31.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating in a single state (rank 55 of 746).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets operating in a single state (rank 659 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.24%
Rank 272 of 746
Net Interest Margin
4.74%
Rank 55 of 746
Efficiency Ratio
66.29%
Rank 415 of 746
Equity / Assets
15.54%
Rank 86 of 746
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.72% | 1.06% | 1.45% | Beats 64% | 272 / 746 | |
| Return on Equity | 8.00% | 6.74% | 10.51% | 13.63% | Beats 33% | 497 / 746 | |
| Net Interest Margin | 4.74% | 3.17% | 3.68% | 4.16% | Beats 93% | 55 / 746 | |
| Efficiency Ratio | 66.29% | 55.74% | 64.58% | 75.47% | Beats 45% | 415 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.06% | 0.09% | 0.42% | 1.07% | Beats 11% | 659 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 274 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 22.14% | 11.55% | 13.75% | 17.60% | Beats 88% | 93 / 746 | |
| Total Risk-Based Capital Ratio | 23.39% | 11.71% | 14.33% | 18.43% | Beats 88% | 90 / 746 | |
| Equity / Assets | 15.54% | 8.90% | 10.51% | 13.06% | Beats 88% | 86 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 105.32% | 61.31% | 78.27% | 90.78% | 95th pctl | 41 / 746 | |
| Loans / Assets | 83.82% | 53.60% | 66.97% | 76.08% | 93rd pctl | 53 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |