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Greenfield Savings Bank

Greenfield, MA · Cert 90206 · GSB MHC

SI · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greenfield Savings Bank

Greenfield, MA · Cert 90206 · GSB MHC

SI · FDIC · 9 branches

Q2 2026

$1.5BAssets
$1.3BLoans
$1.3BDeposits
$140.8MEquity
Loan mix
94%RE $1.1B6%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.1B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 4.6% share · #7 of 15 inst. · $0.3B of $6.6B

54.2% Franklin
4.6% Hampshire

Executive Summary

  • Earnings: ROA of 0.59%, up 7 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.42% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.13%, down 90 bps from a year ago.
  • Funding: loans stand at 100.68% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.59%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+15 bps YoY

Efficiency Ratio (YTD, annualized)

76.51%-193 bps YoY

Tier 1 Leverage Ratio

10.13%-90 bps YoY

NIM

4.11%Q2 ’244.38%Q2 ’254.75%Q2 ’26+10%+5%

Non-interest income vs. expense

2.84%Q2 ’242.66%Q2 ’252.68%Q2 ’26-8%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.29%0.43%0.52%0.52%0.51%0.58%0.59%+7 bps
Return on Equity3.00%2.78%4.33%5.32%5.38%5.28%6.23%6.31%+99 bps
Net Interest Margin2.48%2.50%2.73%2.73%2.67%2.63%2.88%2.87%+15 bps
Efficiency Ratio89.21%88.75%82.00%78.44%77.95%78.08%77.01%76.51%-193 bps
Non-Interest Burden2.14%2.14%2.14%1.99%1.94%1.92%2.08%2.05%+5 bps
Growth
Asset Growth (YoY)4.80%6.74%11.96%13.20%19.25%18.97%15.28%14.70%+150 bps
Loan Growth (YoY)11.85%11.48%11.55%14.78%17.57%20.24%20.28%19.42%+464 bps
Deposit Growth (YoY)0.87%2.25%11.18%10.20%14.59%10.50%10.09%9.55%-64 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.36%0.35%0.33%0.36%0.37%0.39%0.42%+9 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.83%0.81%0.81%0.79%0.76%0.77%0.78%0.77%-1 bps
Allowance Coverage of NPLs2.3x2.3x2.3x2.4x2.1x2.1x2.0x1.9x-0.5x
Capital
Tier 1 Leverage Ratio11.70%11.54%11.29%11.02%10.62%10.27%10.18%10.13%-90 bps
Total Risk-Based Capital19.88%19.34%18.89%18.22%17.25%16.62%16.99%15.48%-274 bps
Equity / Assets10.50%9.95%9.72%9.64%9.41%9.36%9.21%9.25%-39 bps
Liquidity & Funding
Loans / Deposits93.40%95.94%89.51%92.37%95.82%104.40%97.79%100.68%+832 bps
Liquid Assets / Assets0.00%1.65%2.97%0.17%1.99%1.16%1.86%0.51%+34 bps
CRE / Total Capitaln/an/an/an/a234%265%271%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Greenfield Savings Bank

Greenfield, MA · Cert 90206 · Peer group: banks $1B-$10B in assets (n=322-328) · GSB MHC

SI · FDIC · 9 branches

Q2 2026

$1.5BAssets
$1.3BLoans
$1.3BDeposits
$140.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 85% of banks $1B-$10B in assets (rank 50 of 322).
  • Widest gap: return on assets trails 92% of banks $1B-$10B in assets (rank 302 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.58%

Rank 302 of 328

Net Interest Margin

2.87%

Rank 271 of 328

Efficiency Ratio

76.51%

Rank 298 of 328

Equity / Assets

9.25%

Rank 238 of 328

Non-interest income vs. expense

$9.5M$40.3MINCOMEEXPENSE
Unfavorable gap of $30.8M · efficiency ratio beats 9% of banks $1B-$10B in assets
Bank 76.51%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.91%1.22%1.52%Beats 8%302 / 328
Return on Equity6.22%8.43%11.45%14.43%Beats 12%289 / 328
Net Interest Margin2.87%3.03%3.45%3.83%Beats 17%271 / 328
Efficiency Ratio76.51%51.61%59.56%67.53%Beats 9%298 / 328
Asset Quality
Nonperforming Loans / Loans0.42%0.24%0.51%1.03%Beats 60%130 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 85%50 / 322
Capital
Tier 1 Capital Ratio14.50%11.75%13.15%15.47%Beats 67%109 / 328
Total Risk-Based Capital Ratio15.48%12.63%14.15%16.46%Beats 68%106 / 328
Equity / Assets9.25%9.15%10.33%12.01%Beats 27%238 / 328
Liquidity & Funding
Loans / Deposits100.68%76.63%87.92%95.36%88th pctl39 / 323
Loans / Assets82.96%65.18%74.15%79.98%85th pctl49 / 328
Brokered Deposits / Depositsn/aNot reported for this institution