TellerScore

Greenville Federal is a savings bank headquartered in Greenville, Ohio, in business for about 143 years. At the end of Q2 2026 it reported $263.9M in total assets and $240.8M in deposits, with 4 offices.

Greenville Federal has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 141st. Loan quality contributes the most (97/100, 0.09%); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Tier 1 leverage ratio: 7.80%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 86.8% · 19.7% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.79%

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 rose 6 points (51 → 57), mostly because the loan quality component improved by 12 points.

TellerScore
475257Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202449
Q4 202447
Q1 202551
Q2 202551
Q3 202554
Q4 202555
Q1 202656
Q2 202657
Tier 1 leverage ratio
5.00%6.61%8.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.23%
Q3 20248.11%
Q4 20247.80%
Q1 20257.90%
Q2 20257.80%
Q3 20257.71%
Q4 20257.68%
Q1 20267.74%
Q2 20267.80%
Noncurrent loans
0.06%0.28%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.51%
Q4 20240.46%
Q1 20250.48%
Q2 20250.46%
Q3 20250.06%
Q4 20250.08%
Q1 20260.08%
Q2 20260.09%
Return on assets
-0.61%-0.21%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.44%
Q3 2024-0.39%
Q4 2024-0.61%
Q1 2025-0.13%
Q2 2025-0.05%
Q3 20250.00%
Q4 20250.05%
Q1 20260.16%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$263.9M7.80%0.09%0.18%86.8%
Q1 202656$263.1M7.74%0.08%0.16%89.7%
Q4 202555$269.2M7.68%0.08%0.05%91.0%
Q3 202554$264.7M7.71%0.06%0.00%92.8%
Q2 202551$261.5M7.80%0.46%-0.05%91.4%
Q1 202551$255.7M7.90%0.48%-0.13%89.4%
Q4 202447$257.5M7.80%0.46%-0.61%89.7%
Q3 202449$250.5M8.11%0.51%-0.39%88.1%
Q2 202450$245.0M8.23%0.49%-0.44%86.3%

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 ratio7.80%
2nd
Total risk-based capital12.08%
53rd
Problem loans0.09%
74th
Net charge-offs0.01%
45th
Return on assets0.18%
5th
Net interest margin3.28%
19th
Efficiency ratio94.2%
3rd
Loans to deposits86.8%
33rd
Uninsured deposits19.7%
66th
Loan-loss reserves0.81%
11th
Texas ratio4.8%
37th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of Central OhioBank Worthington, OH46 out of 100, Below average$260.9M9.9%1.48%vs
The Wilmington Savings BankBank Wilmington, OH72 out of 100, Strong$267.3M14.6%0.82%vs
The First National Bank of DennisonBank Dennison, OH71 out of 100, Strong$267.4M10.3%0.22%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
Riverside Bank of DublinBank Dublin, OH58 out of 100, Moderate$269.0M9.1%0.38%vs
The Apple Creek Banking CompanyBank Apple Creek, OH70 out of 100, Strong$270.6M9.2%0.00%vs

Deposit insurance

Is my money safe at Greenville Federal?

Yes. Greenville Federal is an FDIC-insured institution (FDIC certificate #27965). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.7% of deposits ($47.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.08% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Greenville Federal lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greenville Federal reported 152 home-loan applications under HMDA (LEI 549300SC9Z72JZIKY819): 128 originated ($27,920,000 total), 12 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, 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
Greenville Federal
Former names
Greenville Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
27965
RSSD ID
567679
Primary regulator
OCC
Holding company
Greenville Federal Mhc
Established
January 1, 1883
Headquarters
690 Wagner Ave, Greenville, OH 45331
Employees
45

Quick answers

Greenville Federal: common questions

Is Greenville Federal FDIC insured?

Yes. Greenville Federal is an FDIC-insured institution (FDIC certificate #27965). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Greenville Federal's TellerScore?

57 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 Greenville Federal ever failed?

There is no failure record for FDIC certificate #27965 in the FDIC failed bank list.

How many branches does Greenville Federal have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenville

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
The St. Henry BankBank St. Henry, OH92 out of 100, Very strong$435.6M13.6%0.10%vs
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs