TellerScore

Greenfield Co-operative Bank (FDIC certificate #26397) is based in Greenfield, Massachusetts. Its Q2 2026 call report shows $901.8M in total assets and $800.0M in deposits and 10 offices.

Greenfield Co-operative Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 21st. Problem-loan coverage contributes the most (92/100, 3.9%); earnings contributes the least (43/100, 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.47%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.72%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 69.0% · 25.9% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202472
Q1 202573
Q2 202571
Q3 202572
Q4 202571
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%8.99%12.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.93%
Q3 202412.99%
Q4 202412.79%
Q1 202512.76%
Q2 202512.51%
Q3 202512.50%
Q4 202512.59%
Q1 202612.63%
Q2 202612.47%
Noncurrent loans
0.57%0.74%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.57%
Q4 20240.84%
Q1 20250.79%
Q2 20250.87%
Q3 20250.78%
Q4 20250.91%
Q1 20260.89%
Q2 20260.72%
Return on assets
0.57%0.61%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.62%
Q3 20240.59%
Q4 20240.59%
Q1 20250.65%
Q2 20250.62%
Q3 20250.64%
Q4 20250.63%
Q1 20260.64%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$901.8M12.47%0.72%0.57%69.0%
Q1 202671$858.0M12.63%0.89%0.64%69.7%
Q4 202571$845.8M12.59%0.91%0.63%70.3%
Q3 202572$835.9M12.50%0.78%0.64%69.1%
Q2 202571$832.1M12.51%0.87%0.62%69.7%
Q1 202573$813.1M12.76%0.79%0.65%70.5%
Q4 202472$786.1M12.79%0.84%0.59%72.4%
Q3 202475$767.0M12.99%0.57%0.59%74.1%
Q2 202474$762.1M12.93%0.63%0.62%72.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.47%
70th
Total risk-based capital0.00%
24th
Problem loans0.72%
36th
Net charge-offs0.00%
58th
Return on assets0.57%
14th
Net interest margin3.24%
17th
Efficiency ratio76.8%
18th
Loans to deposits69.0%
71st
Uninsured deposits25.9%
43rd
Loan-loss reserves0.96%
22nd
Texas ratio3.9%
42nd

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs
The Savings BankBank Wakefield, MA62 out of 100, Moderate$891.0M9.4%0.17%vs
StonehamBank, A Co-operative BankBank Stoneham, MA60 out of 100, Moderate$918.3M8.9%0.32%vs
Winchester Co-operative BankBank Winchester, MA69 out of 100, Moderate$946.9M11.8%0.43%vs
Coastal Heritage BankBank Weymouth, MA63 out of 100, Moderate$983.6M11.5%0.60%vs
Rollstone Bank & TrustBank Fitchburg, MA62 out of 100, Moderate$816.3M10.1%0.20%vs

Deposit insurance

Is my money safe at Greenfield Co-operative Bank?

Yes. Greenfield Co-operative Bank is an FDIC-insured institution (FDIC certificate #26397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.9% of deposits ($207.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Greenfield Co-operative Bank lists 10 offices in 9 cities. Most locations:

  • Greenfield, MA (2)
  • Amherst, MA (1)
  • Florence, MA (1)
  • Northampton, MA (1)
  • Northfield, MA (1)
  • Shelburne Falls, MA (1)
  • South Hadley, MA (1)
  • Sunderland, MA (1)
  • Turners Falls, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greenfield Co-operative Bank reported 344 home-loan applications under HMDA (LEI 549300V6HTJCSW4YN309): 274 originated ($77,180,000 total), 18 denied, and 48 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Greenfield Co-operative Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
26397
RSSD ID
326979
Primary regulator
FED
Holding company
Greenfield Bcorp Mhc
Established
January 1, 1905
Headquarters
63 Federal St, Greenfield, MA 01301
Employees
115

Quick answers

Greenfield Co-operative Bank: common questions

Is Greenfield Co-operative Bank FDIC insured?

Yes. Greenfield Co-operative Bank is an FDIC-insured institution (FDIC certificate #26397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Greenfield Co-operative Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Greenfield Co-operative Bank ever failed?

There is no failure record for FDIC certificate #26397 in the FDIC failed bank list.

How many branches does Greenfield Co-operative Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenfield

InstitutionScoreAssetsCapitalProblem loansCompare
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
Eastrise Federal Credit UnionCredit union Williston, VT73 out of 100, Strong$3.2B12.3%0.60%vs
North Brookfield Savings BankBank North Brookfield, MA71 out of 100, Strong$448.7M10.9%0.29%vs
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
Freedom Credit UnionCredit union Springfield, MA66 out of 100, Moderate$764.0M14.3%1.81%vs
Savings Bank of WalpoleBank Walpole, NH66 out of 100, Moderate$857.9M8.7%0.26%vs