BlastPoint's Banking Scorecard
Greenfield Banking Company
Greenfield, TN
2 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +0.3% year over year ($135.4M on the books).
- Delinquency rate 1.04%.
- Return on assets 0.91%.
- Efficiency ratio 60.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenfield Banking Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.69% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin 0.65% below tier average
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.2M
+2.6% YoY
+1.3% QoQ
|
-$235.4M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.4% in tier |
| Total Loans ? |
$91.9M
+3.3% YoY
+0.9% QoQ
|
-$166.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$135.4M
+0.3% YoY
-0.3% QoQ
|
-$191.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
0.91%
+1.3% YoY
+4.0% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.34%
+3.6% YoY
+0.9% QoQ
|
-0.65% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
60.79%
-0.9% YoY
-0.6% QoQ
|
-3.69% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.04%
-27.7% YoY
-36.7% QoQ
|
+0.12% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
67.90%
+3.0% YoY
+1.2% QoQ
|
-10.05% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
11.28%
+4.9% YoY
-0.5% QoQ
|
-10.75% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.2% in tier |
| Nonperforming Asset Ratio ? |
1.02%
+7.8% YoY
-5.2% QoQ
|
+0.35% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.66%
+4.4% YoY
+0.5% QoQ
|
-3.25% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.08%
+10.4% YoY
+99.1% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.3%
+0.5pp YoY -0.1pp QoQ |
-10.9pp | 22.1% | 18.8% | 22.2% | 13% |
| Brokered Deposits |
7.8%
+4.6pp YoY -2.1pp QoQ |
-0.1pp | 7.9% | 9.4% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.0%
-0.1pp YoY -2.6pp QoQ |
+13.4pp | 11.6% | 10.9% | 12.5% | 93% |
| CRE | n/a | n/a | 39.5% | 42.4% | 41.4% | n/a |
| 1-4 Family |
24.7%
+3.0pp YoY +0.3pp QoQ |
-7.9pp | 32.6% | 39.8% | 31.3% | 40% |
| Consumer |
10.1%
+0.6pp YoY -0.1pp QoQ |
+6.0pp | 4.1% | 4.5% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
+0.5pp YoY +0.1pp QoQ |
-6.2pp | 18.8% | 14.8% | 19.7% | 24% |
| Leverage Ratio |
8.5%
+0.3pp YoY +0.1pp QoQ |
-3.6pp | 12.2% | 11.4% | 12.6% | 6% |
| Total Capital Ratio |
13.6%
+0.5pp YoY +0.1pp QoQ |
-6.4pp | 19.9% | 15.9% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY 0 QoQ |
-41 | 58 | 270 | 482 | 8% |
| Assets per Employee ($) |
$8.4M
+2.6% YoY +1.3% QoQ |
+$881K | $7.5M | $7.1M | $8.8M | 73% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 17 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.0%
-0.4pp YoY -0.6pp QoQ |
+0.1pp | 0.9% | 0.7% | 1.0% | 72% |
| Allowance Coverage |
0.97x
+34.4% YoY +62.6% QoQ |
-23.18x | 24.15x | 28.97x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
-1.6pp YoY +0.4pp QoQ |
-0.9pp | 12.2% | 10.9% | 11.6% | 45% |
| Cost of Funds (YTD) |
2.7%
-0.4pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 2.0% | 1.7% | 94% |
| Net Income ($, YTD) |
$680,000
+6.8% YoY — QoQ |
-$1.9M | $2.6M | $16.7M | $40.4M | 16% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.