BlastPoint's Banking Scorecard
Greenfield Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90206
Greenfield, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Greenfield Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
- - Loan-to-Deposit Ratio 20.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+19.0% YoY
+3.3% QoQ
|
+$77.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$1.2B
+20.3% YoY
+5.6% QoQ
|
+$202.8M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.1B
+10.5% YoY
-3.1% QoQ
|
-$27.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.51%
+77.0% YoY
-2.5% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.95%
+8.3% YoY
+0.7% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
78.08%
-12.0% YoY
+0.2% QoQ
|
+15.45% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.37%
+2.5% YoY
+1.7% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
103.59%
+8.9% YoY
+8.9% QoQ
|
+20.53% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.89%
-11.1% YoY
+4.9% QoQ
|
-8.16% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.30%
+3.6% YoY
+4.0% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
15.61%
-14.6% YoY
-4.0% QoQ
|
+5.37% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.59%
-8.1% YoY
+27.4% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#146 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.37%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.59%
(Tier avg: 83.06%, National avg: 78.04%)
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
80
80th pctile
Tier 1 Capital Ratio
Current: 15.61% · Tier avg: 10.24%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
56
56th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.89% · Tier avg: 21.05%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
13
13th pctile
Efficiency Ratio
Current: 78.08% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.59% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.59% · Tier avg: 83.06%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 78.08% · Tier avg: 62.63%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.89% · Tier avg: 21.05%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
80
80th pctile
Tier 1 Capital Ratio
Current: 15.61% · Tier avg: 10.24%