Greenfield Savings Bank
Greenfield, MA · Cert 90206 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 86% of banks $1B-$10B in assets (rank 46 of 313).
- Widest gap: return on assets trails 91% of banks $1B-$10B in assets (rank 290 of 319).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.58%
Rank 290 of 319
Net Interest Margin
2.87%
Rank 268 of 319
Efficiency Ratio
76.51%
Rank 289 of 319
Equity / Assets
9.25%
Rank 227 of 319
Non-interest income vs. expense
Unfavorable gap of $30.8M · efficiency ratio beats 10% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.91% | 1.21% | 1.53% | Beats 9% | 290 / 319 | |
| Return on Equity | 6.22% | 8.49% | 11.44% | 14.57% | Beats 13% | 278 / 319 | |
| Net Interest Margin | 2.87% | 3.06% | 3.43% | 3.81% | Beats 16% | 268 / 319 | |
| Efficiency Ratio | 76.51% | 51.90% | 59.57% | 67.64% | Beats 10% | 289 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.25% | 0.54% | 1.18% | Beats 62% | 120 / 313 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 86% | 46 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 14.50% | 11.74% | 12.99% | 15.28% | Beats 68% | 101 / 319 | |
| Total Risk-Based Capital Ratio | 15.48% | 12.61% | 14.01% | 16.23% | Beats 69% | 98 / 319 | |
| Equity / Assets | 9.25% | 9.03% | 10.33% | 12.01% | Beats 29% | 227 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 100.68% | 76.76% | 88.16% | 95.43% | 88th pctl | 37 / 314 | |
| Loans / Assets | 82.96% | 65.79% | 74.05% | 79.84% | 86th pctl | 46 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |