BlastPoint's Banking Scorecard

Greenfield Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 26397

Greenfield, MA

10 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Greenfield Co-operative Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.7% in tier
- Credit Quality Pressure: Bottom 39.5% in tier
- ROA 0.63% below tier average
- Net Interest Margin 0.70% below tier average
- Efficiency Ratio 9.96% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$858.0M +5.5% YoY +1.4% QoQ	+$471.9M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 5.4% in tier
Total Loans ?	$527.1M +4.2% YoY +0.8% QoQ	+$271.4M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 9.1% in tier
Total Deposits ?	$756.8M +5.5% YoY +1.7% QoQ	+$428.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 4.4% in tier
Return on Assets ?	0.64% -2.6% YoY +1.4% QoQ	-0.63%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.23% +7.5% YoY +2.5% QoQ	-0.70%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	75.24% -0.4% YoY -0.6% QoQ	+9.96%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.90% +12.8% YoY -2.3% QoQ	+0.01%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	69.65% -1.2% YoY -0.9% QoQ	-6.99%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	15.23% +4.3% YoY +0.9% QoQ	-6.79%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.55% +11.3% YoY -3.0% QoQ	-0.08%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	12.63% -1.0% YoY +0.3% QoQ	-3.20%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.06% -2.3% YoY -75.9% QoQ	-0.22%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	28%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#115 of 973 • Bottom 11.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#517 of 1308 • Bottom 39.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.90%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

119

Total Deposits

size

Value: $756.77M

Peer Median: $327.97M

#119 of 2664 Top 4.4% in $100M-$1B

144

Total Assets

size

Value: $858.02M

Peer Median: $386.08M

#144 of 2664 Top 5.4% in $100M-$1B

244

Total Loans

size

Value: $527.11M

Peer Median: $255.72M

#244 of 2664 Top 9.1% in $100M-$1B

Top Weaknesses (3 metrics)

2193

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2193 of 2664 Bottom 17.7% in $100M-$1B

2164

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.93%

#2164 of 2664 Bottom 18.8% in $100M-$1B

2080

Efficiency Ratio

profitability

Value: 75.24%

Peer Median: 65.29%

#2080 of 2664 Bottom 22.0% in $100M-$1B