BlastPoint's Banking Scorecard
Greenfield Banking Company
Community
Specialty: Commercial
IN
FDIC cert 15632
Greenfield, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Greenfield Banking Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$889.6M
+2.9% YoY
+0.4% QoQ
|
-$501.8M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$605.6M
+4.7% YoY
-0.3% QoQ
|
-$369.9M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$751.9M
+0.8% YoY
+0.3% QoQ
|
-$412.7M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.77%
-2.2% YoY
+26.2% QoQ
|
+0.60% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.34%
+3.3% YoY
+1.1% QoQ
|
+0.67% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
52.83%
+9.4% YoY
-2.0% QoQ
|
-9.80% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.60%
-52.4% YoY
+8.7% QoQ
|
-0.03% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
80.54%
+3.8% YoY
-0.6% QoQ
|
-2.53% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
26.25%
-10.1% YoY
-4.1% QoQ
|
+5.21% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.04%
+22.7% YoY
+1.8% QoQ
|
+0.54% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.90%
+28.7% YoY
+29.2% QoQ
|
+0.16% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#183 of 371 · Top 49% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.90%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.77%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Capital Thin
risk
#141 of 432 · Bottom 32% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
78
78th pctile
Efficiency Ratio
Current: 52.83% · Tier avg: 62.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.54% · Tier avg: 83.06%
43
43th pctile
Total Deposits
Current: $751.9M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $889.6M · Tier avg: $1.4B
42
42th pctile
Total Loans
Current: $605.6M · Tier avg: $975.5M
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
42
42th pctile
Total Loans
Current: $605.6M · Tier avg: $975.5M
42
42th pctile
Total Assets
Current: $889.6M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $751.9M · Tier avg: $1.2B
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.54% · Tier avg: 83.06%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%
78
78th pctile
Efficiency Ratio
Current: 52.83% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%