| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +5.5% | +9.2 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Loan growth (YoY) | +19.4% | +5.9% | +13.5 pts |
| ROA | 0.59% | 1.26% | -0.7 pts |
| ROE | 6.3% | 12.2% | -5.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.52B | $1.25B | $1.25B | $140.8M | $4.4M | 0.59% | 3.04% | 0.35% |
| Q1 2026 | $1.49B | $1.24B | $1.20B | $137.6M | $2.1M | 0.58% | 3.02% | 0.31% |
| Q4 2025 | $1.47B | $1.14B | $1.18B | $137.6M | $6.8M | 0.51% | 2.95% | 0.30% |
| Q3 2025 | $1.42B | $1.17B | $1.12B | $134.0M | $5.2M | 0.52% | 2.93% | 0.28% |
| Q2 2025 | $1.33B | $1.15B | $1.05B | $128.0M | $3.3M | 0.52% | 2.92% | 0.26% |
| Q1 2025 | $1.30B | $1.13B | $999.3M | $125.9M | $1.3M | 0.43% | 2.87% | 0.28% |
| Q4 2024 | $1.23B | $1.03B | $979.5M | $122.9M | $3.4M | 0.29% | 2.72% | 0.29% |
| Q3 2024 | $1.19B | $1.02B | $948.7M | $125.3M | $2.7M | 0.31% | 2.68% | 0.29% |
Loan mix (Q2 2026): real estate $1.19B · commercial $74.7M · consumer $1.9M · securities $183.1M
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 59.0% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Greenfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 2 counties across 1 state (+0 vs 2024) · $1.15B branch deposits. Biggest market: Franklin, MA, ranked 1st with 43.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, MA | 5 | $879.9M | 43.45% | 1st |
| Hampshire, MA | 3 | $265.2M | 3.80% | 8th |
Massachusetts: 50th with 0.18% · Amherst Town-Northampton metro: 8th, 3.80% ·
Branch count: 2022 10 · 2023 10 · 2024 8 · 2025 8