BlastPoint's Banking Scorecard
Greenfield Savings Bank
Designations: ✓ Community bank
Greenfield, MA
9 branches across MA
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 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
- Deposits +9.6% year over year ($1.3B on the books).
- Delinquency rate 0.42%.
- Return on assets 0.59%.
- Efficiency ratio 76.51% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.91% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenfield Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.81% below tier average
- - Net Interest Margin 0.83% below tier average
- - Efficiency Ratio 16.78% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+14.7% YoY
+2.0% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$1.3B
+19.4% YoY
+4.2% QoQ
|
-$709.9M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$1.3B
+9.6% YoY
+1.2% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.59%
+12.7% YoY
+1.2% QoQ
|
-0.81% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.4% in tier |
| Net Interest Margin ? |
3.04%
+4.0% YoY
+0.6% QoQ
|
-0.83% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
76.51%
-2.5% YoY
-0.6% QoQ
|
+16.78% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate ? |
0.42%
+26.0% YoY
+7.9% QoQ
|
-0.45% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
99.91%
+9.0% YoY
+3.0% QoQ
|
+14.87% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.28%
-0.1% YoY
-1.2% QoQ
|
-7.99% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.35%
+31.2% YoY
+10.3% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.50%
-15.7% YoY
-9.0% QoQ
|
-0.34% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.31%
-4.2% YoY
+103.2% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.3%
0.0pp YoY -0.2pp QoQ |
-8.1pp | 21.4% | 16.2% | 22.2% | 20% |
| Brokered Deposits |
9.8%
+4.3pp YoY +0.7pp QoQ |
+0.3pp | 9.5% | 6.1% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
+1.5pp YoY +0.4pp QoQ |
-8.0pp | 14.0% | 6.5% | 12.5% | 23% |
| CRE |
34.5%
+4.3pp YoY +0.7pp QoQ |
-15.5pp | 50.0% | 40.3% | 41.4% | 15% |
| 1-4 Family |
60.1%
-5.7pp YoY -1.1pp QoQ |
+33.7pp | 26.4% | 52.4% | 31.3% | 95% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 1.6% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
-2.7pp YoY -1.4pp QoQ |
-1.1pp | 15.6% | 16.6% | 19.7% | 65% |
| Leverage Ratio |
10.1%
-0.9pp YoY -0.1pp QoQ |
-1.2pp | 11.3% | 11.5% | 12.6% | 40% |
| Total Capital Ratio |
15.5%
-2.7pp YoY -1.5pp QoQ |
-1.2pp | 16.7% | 17.5% | 20.8% | 63% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
209
+20 (+10.6%) YoY -3 (-1.4%) QoQ |
-105 | 313 | 755 | 482 | 44% |
| Assets per Employee ($) |
$7.3M
+3.7% YoY +3.4% QoQ |
-$3.2M | $10.5M | $10.7M | $8.8M | 27% |
| Branch Count |
9
+1 (+12.5%) YoY +1 (+12.5%) QoQ |
-11 | 20 | 13 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
1.85x
-22.1% YoY -8.4% QoQ |
-16.86x | 18.71x | 7.95x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.3%
+1.0pp YoY +0.1pp QoQ |
-6.3pp | 12.6% | 5.6% | 11.6% | 13% |
| Cost of Funds (YTD) |
2.0%
+0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 2.0% | 1.7% | 57% |
| Net Income ($, YTD) |
$4.4M
+31.0% YoY — QoQ |
-$14.9M | $19.2M | $31.7M | $40.4M | 9% |
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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.