BlastPoint's Banking Scorecard
Greenfield Savings Bank
Designations: ✓ Community bank
Greenfield, MA
8 branches across MA
Greenfield Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.0% in tier
- - ROA 0.79% below tier average
- - Net Interest Margin 0.80% below tier average
- - Efficiency Ratio 15.94% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+15.3% YoY
+1.6% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$1.2B
+20.3% YoY
+2.0% QoQ
|
-$762.6M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$1.2B
+10.1% YoY
+8.9% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.58%
+36.0% YoY
+14.1% QoQ
|
-0.79% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.3% in tier |
| Net Interest Margin ? |
3.02%
+5.2% YoY
+2.4% QoQ
|
-0.80% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
77.01%
-6.1% YoY
-1.4% QoQ
|
+15.94% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate ? |
0.39%
+9.0% YoY
+5.6% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
97.03%
+9.3% YoY
-6.3% QoQ
|
+12.82% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
13.44%
-1.4% YoY
+4.3% QoQ
|
-7.85% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.31%
+13.8% YoY
+6.0% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
15.94%
-10.7% YoY
+2.1% QoQ
|
+0.78% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.15%
+8.3% YoY
-73.7% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.