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
Unfavorable gap of $30.8M · efficiency ratio beats 9% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.91% | 1.22% | 1.52% | Beats 8% | 302 / 328 | | |
| Return on Equity | 6.22% | 8.43% | 11.45% | 14.43% | Beats 12% | 289 / 328 | | |
| Net Interest Margin | 2.87% | 3.03% | 3.45% | 3.83% | Beats 17% | 271 / 328 | | |
| Efficiency Ratio | 76.51% | 51.61% | 59.56% | 67.53% | Beats 9% | 298 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.24% | 0.51% | 1.03% | Beats 60% | 130 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 85% | 50 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.50% | 11.75% | 13.15% | 15.47% | Beats 67% | 109 / 328 | | |
| Total Risk-Based Capital Ratio | 15.48% | 12.63% | 14.15% | 16.46% | Beats 68% | 106 / 328 | | |
| Equity / Assets | 9.25% | 9.15% | 10.33% | 12.01% | Beats 27% | 238 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.68% | 76.63% | 87.92% | 95.36% | 88th pctl | 39 / 323 | | |
| Loans / Assets | 82.96% | 65.18% | 74.15% | 79.98% | 85th pctl | 49 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |