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Greeneville Federal Bank, FSB

$100M-$1B Specialty: Commercial TN FDIC cert 31198

Designations: ✓ Mutual

Greeneville, TN

3 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 +8.0% year over year ($162.3M on the books).
  • Delinquency rate 2.08%.
  • Return on assets 1.24%.
  • Efficiency ratio 66.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.02% 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 72 in TN
View $100M-$1B leaderboard (TN) →

Greeneville Federal Bank, FSB has 1 strength but faces 5 concerns

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

  • + Net Interest Margin 1.05% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 9.2% in tier
  • - Credit Risk Growth: Bottom 32.3% in tier
  • - Margin Compression: Bottom 36.2% in tier
  • - Nonperforming Asset Ratio 1.06% above tier average
  • - Efficiency Ratio 1.81% above tier average
Get updates when Greeneville Federal Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $203.9M
+6.9% YoY -0.8% QoQ
-$182.7M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $168.8M
+7.2% YoY -1.5% QoQ
-$89.5M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $162.3M
+8.0% YoY +2.8% QoQ
-$164.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 1.24%
-20.0% YoY +41.7% QoQ
-0.09% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 5.04%
+9.9% YoY +10.8% QoQ
+1.05% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 7.4% in tier
Efficiency Ratio ? 66.29%
-9.1% YoY -9.2% QoQ
+1.81% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 2.08%
+6.5% YoY +8.1% QoQ
+1.17% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 12.0% in tier
Loan-to-Deposit Ratio ? 104.02%
-0.7% YoY -4.1% QoQ
+26.07% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 6.4% in tier
Non-Interest-Bearing Deposit Share ? 14.97%
-2.9% YoY +8.8% QoQ
-7.06% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 1.73%
+6.9% YoY +7.4% QoQ
+1.06% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Bottom 9.7% in tier
Tier 1 Capital Ratio ? 22.14%
+2.8% YoY +5.8% QoQ
+6.23% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 10.1% in tier
Non-Interest Income / Assets ? 0.12%
-20.1% YoY +97.5% QoQ
-0.45% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
24%

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 15.0%
-0.5pp YoY
+1.2pp QoQ
 -7.2pp 22.1% 18.8% 22.2% 24%
Brokered Deposits 7.4%
+1.7pp YoY
-0.2pp QoQ
 -0.5pp 7.9% 9.4% 8.5% 66%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 3.9%
-0.5pp YoY
-0.5pp QoQ
 -7.7pp 11.6% 10.9% 12.5% 14%
CRE 44.0%
+0.7pp YoY
+0.9pp QoQ
 +4.5pp 39.5% 42.4% 41.4% 60%
1-4 Family 49.9%
-0.1pp YoY
-0.3pp QoQ
 +17.3pp 32.6% 39.8% 31.3% 82%
Consumer 0.7%
-0.1pp YoY
+0.1pp QoQ
 -3.4pp 4.1% 4.5% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 22.1%
+0.6pp YoY
+1.2pp QoQ
 +3.3pp 18.8% 14.8% 19.7% 84%
Leverage Ratio 15.6%
+0.1pp YoY
+0.5pp QoQ
 +3.4pp 12.2% 11.4% 12.6% 89%
Total Capital Ratio 23.4%
+0.6pp YoY
+1.2pp QoQ
 +3.5pp 19.9% 15.9% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 31
-2 (-6.1%) YoY
-2 (-6.1%) QoQ
 -28 58 270 482 28%
Assets per Employee ($) $6.6M
+13.8% YoY
+5.6% QoQ
 -$942K $7.5M $7.1M $8.8M 44%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
 -0.2pp 0.3% 0.2% 0.4% 60%
Nonaccrual 1.9%
0.0pp YoY
0.0pp QoQ
 +1.0pp 0.9% 0.7% 1.0% 86%
Allowance Coverage 0.60x
-12.8% YoY
-6.1% QoQ
 -23.56x 24.15x 28.97x 20.23x 14%
Net Charge-off Rate (YTD) -0.0%
+1.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 8.2%
-2.1pp YoY
+2.3pp QoQ
 -4.0pp 12.2% 10.9% 11.6% 26%
Cost of Funds (YTD) 1.9%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 2.0% 1.7% 62%
Net Income ($, YTD) $1.3M
-14.0% YoY
— QoQ
 -$1.3M $2.6M $16.7M $40.4M 35%

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 (3)

Liquidity Overhang

risk
#69 of 742 • Bottom 9.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.14%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 104.02%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Credit Risk Growth

risk
#303 of 936 • Bottom 32.3% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Margin Compression

decline
#112 of 307 • Bottom 36.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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

Top Strengths (2 metrics)

197
Net Interest Margin
profitability
Value: 5.04%
Peer Median: 3.99%
#197 of 2643 Top 7.4% in $100M-$1B
269
Tier 1 Capital Ratio
capital
Value: 22.14%
Peer Median: 15.91%
#269 of 2643 Top 10.1% in $100M-$1B

Top Weaknesses (6 metrics)

2474
Loan-to-Deposit Ratio
liquidity
Value: 104.02%
Peer Median: 77.95%
#2474 of 2643 Bottom 6.4% in $100M-$1B
2388
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.67%
#2388 of 2643 Bottom 9.7% in $100M-$1B
2317
Delinquency Rate
credit_quality
Value: 2.08%
Peer Median: 0.92%
#2317 of 2633 Bottom 12.0% in $100M-$1B
2003
Non-Interest-Bearing Deposit Share
funding
Value: 14.97%
Peer Median: 22.03%
#2003 of 2643 Bottom 24.3% in $100M-$1B
1997
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#1997 of 2643 Bottom 24.5% in $100M-$1B
1995
Total Deposits
size
Value: $162.27M
Peer Median: $326.73M
#1995 of 2643 Bottom 24.6% in $100M-$1B
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