BlastPoint's Banking Scorecard

Greenfield Banking Company

$100M-$1B Specialty: Commercial IN FDIC cert 15632

Greenfield, IN

8 branches across IN

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 60 in IN.
Deposits +5.8% year over year ($798.6M on the books).
Delinquency rate 0.36%.
Return on assets 1.71%.
Efficiency ratio 53.32% vs a 64.48% peer average.
Loan-to-deposit ratio 72.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

Greenfield Banking Company demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 47.2% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 11.16% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Greenfield Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$930.5M +4.7% YoY +2.4% QoQ	+$543.9M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 2.7% in tier
Total Loans ?	$579.6M -1.5% YoY -2.6% QoQ	+$321.3M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 6.8% in tier
Total Deposits ?	$798.6M +5.8% YoY +3.9% QoQ	+$471.8M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 2.3% in tier
Return on Assets ?	1.71% +2.4% YoY +4.6% QoQ	+0.39%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	4.22% -0.5% YoY -0.6% QoQ	+0.23%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	53.32% +2.0% YoY -2.9% QoQ	-11.16%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.36% -72.1% YoY -40.2% QoQ	-0.56%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	72.58% -6.9% YoY -6.3% QoQ	-5.37%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	24.01% -12.9% YoY -5.8% QoQ	+1.98%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.77% -9.1% YoY -23.3% QoQ	+0.10%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	13.92% +4.1% YoY +0.3% QoQ	-1.99%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.42% +16.7% YoY +113.5% QoQ	-0.15%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	Top 13.4% in tier

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	24.0% -3.5pp YoY -1.5pp QoQ	+1.9pp	22.1%	16.8%	22.2%	62%
Brokered Deposits	n/a	n/a	7.9%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	6.1% +0.8pp YoY +0.1pp QoQ	-5.4pp	11.6%	11.1%	12.5%	26%
CRE	59.8% -5.6pp YoY -3.2pp QoQ	+20.2pp	39.5%	36.2%	41.4%	84%
1-4 Family	27.3% +0.8pp YoY +1.0pp QoQ	-5.3pp	32.6%	40.0%	31.3%	45%
Consumer	1.0% -0.3pp YoY 0.0pp QoQ	-3.1pp	4.1%	3.2%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	13.9% +0.5pp YoY 0.0pp QoQ	+1.7pp	12.2%	13.0%	12.6%	81%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	123 +5 (+4.2%) YoY +3 (+2.5%) QoQ	+64	58	237	482	94%
Assets per Employee ($)	$7.6M +0.4% YoY -0.1% QoQ	+$47K	$7.5M	$7.5M	$8.8M	62%
Branch Count	8 +1 (+14.3%) YoY 0 QoQ	+3	4	17	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.4% -0.9pp YoY -0.2pp QoQ	-0.6pp	0.9%	0.8%	1.0%	43%
Allowance Coverage	4.09x +256.3% YoY +73.6% QoQ	-20.07x	24.15x	6.71x	20.23x	65%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	12.6% -0.1pp YoY +0.6pp QoQ	+0.4pp	12.2%	11.2%	11.6%	53%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	15%
Net Income ($, YTD)	$7.8M +7.0% YoY — QoQ	+$5.2M	$2.6M	$16.3M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#313 of 661 • Top 47.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.71%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $798.58M

Peer Median: $326.73M

#62 of 2643 Top 2.3% in $100M-$1B

Total Assets

size

Value: $930.49M

Peer Median: $386.57M

#72 of 2643 Top 2.7% in $100M-$1B

182

Total Loans

size

Value: $579.64M

Peer Median: $258.35M

#182 of 2643 Top 6.8% in $100M-$1B

356

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#356 of 2643 Top 13.4% in $100M-$1B

622

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.32%

#622 of 2643 Top 23.5% in $100M-$1B

639

Efficiency Ratio

profitability

Value: 53.32%

Peer Median: 64.48%

#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available