TellerScore

Greenfield Savings Bank is a si headquartered in Greenfield, Massachusetts, in business for about 157 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in deposits, with 9 offices.

Greenfield Savings Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 58th. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (43/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.12%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings43/100
Return on assets (annualized): 0.59%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 99.9% · 29.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.50%

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

From Q2 2025 to Q2 2026, the score fell 4 points (65 → 61), mostly because the capital cushion component weakened by 9 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202464
Q1 202566
Q2 202565
Q3 202563
Q4 202561
Q1 202663
Q2 202661
Tier 1 leverage ratio
5.00%8.43%11.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.85%
Q3 202411.70%
Q4 202411.54%
Q1 202511.29%
Q2 202511.02%
Q3 202510.62%
Q4 202510.27%
Q1 202610.18%
Q2 202610.12%
Noncurrent loans
0.31%0.37%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.36%
Q4 20240.36%
Q1 20250.35%
Q2 20250.33%
Q3 20250.36%
Q4 20250.37%
Q1 20260.39%
Q2 20260.42%
Return on assets
0.27%0.43%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.31%
Q4 20240.29%
Q1 20250.43%
Q2 20250.52%
Q3 20250.52%
Q4 20250.51%
Q1 20260.58%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.5B10.12%0.42%0.59%99.9%
Q1 202663$1.5B10.18%0.39%0.58%97.0%
Q4 202561$1.5B10.27%0.37%0.51%103.6%
Q3 202563$1.4B10.62%0.36%0.52%95.1%
Q2 202565$1.3B11.02%0.33%0.52%91.6%
Q1 202566$1.3B11.29%0.35%0.43%88.8%
Q4 202464$1.2B11.54%0.36%0.29%95.2%
Q3 202465$1.2B11.70%0.36%0.31%92.6%
Q2 202467$1.2B11.85%0.31%0.27%87.9%

897 peers · $1 billion – $10 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 ratio10.12%
40th
Total risk-based capital15.48%
73rd
Problem loans0.42%
58th
Net charge-offs-0.00%
85th
Return on assets0.59%
10th
Net interest margin3.04%
16th
Efficiency ratio76.5%
10th
Loans to deposits99.9%
14th
Uninsured deposits29.7%
54th
Loan-loss reserves0.77%
14th
Texas ratio3.5%
51st

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Newburyport Five Cents Savings BankBank Newburyport, MA44 out of 100, Below average$1.6B9.8%1.66%vs
Watertown Savings BankBank Watertown, MA78 out of 100, Strong$1.4B12.0%0.17%vs
Bluestone BankBank Raynham, MA51 out of 100, Below average$1.6B9.5%1.04%vs
East Cambridge Savings BankBank Cambridge, MA59 out of 100, Moderate$1.7B9.7%0.20%vs
Main Street BankBank Marlborough, MA58 out of 100, Moderate$1.7B12.0%1.69%vs
Everett Co-operative BankBank Everett, MA62 out of 100, Moderate$1.7B9.8%0.10%vs

Deposit insurance

Is my money safe at Greenfield Savings Bank?

Yes. Greenfield Savings Bank is an FDIC-insured institution (FDIC certificate #90206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($372.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.48% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Greenfield Savings Bank lists 9 offices in 9 cities. Most locations:

  • Amherst, MA (1)
  • Conway, MA (1)
  • Easthampton, MA (1)
  • Greenfield, MA (1)
  • Hadley, MA (1)
  • Northampton, MA (1)
  • Shelburne Falls, MA (1)
  • South Deerfield, MA (1)
  • Turners Falls, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greenfield Savings Bank reported 560 home-loan applications under HMDA (LEI 549300L6YKIXOYQ57883): 422 originated ($172,290,000 total), 41 denied, and 86 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, 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 Savings Bank
Type
SI
FDIC certificate #
90206
RSSD ID
632607
Primary regulator
FDIC
Holding company
Gsb Mhc
Established
March 19, 1869
Headquarters
400 Main St, Greenfield, MA 01301
Employees
209

Quick answers

Greenfield Savings Bank: common questions

Is Greenfield Savings Bank FDIC insured?

Yes. Greenfield Savings Bank is an FDIC-insured institution (FDIC certificate #90206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Greenfield Savings Bank's TellerScore?

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

Has Greenfield Savings Bank ever failed?

There is no failure record for FDIC certificate #90206 in the FDIC failed bank list.

How many branches does Greenfield Savings Bank have?

9 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
Greenfield Co-operative BankBank Greenfield, MA71 out of 100, Strong$901.8M12.5%0.72%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