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Greenfield Co-Operative Bank
Greenfield, MA · FDIC Certificate #26397 · Chartered 01/0
Total assets
$901.81M
Total deposits
$800.00M
Total equity
$98.05M
Net loans
$551.96M
Branches (offices)
10
Net income (YTD)
$2.46M
Rank: #1,139 of 4,213 U.S. banks by assets · #52 of 89 in Massachusetts. Assets changed 8.4% and deposits 8.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.57% |
| Return on equity | 5.04% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 10.87% |
| Tier 1 leverage ratio | 12.47% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.0% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $505.00M | 91.5% | |
| Commercial & industrial | $19.60M | 3.6% | |
| Consumer / individual | $2.71M | 0.5% | |
| Construction & development | $14.41M | 2.6% | |
| Agricultural | $5.26M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $815.84M | $728.21M | $2.11M | $75.65M |
| Jun 2023 | $765.17M | $677.07M | $4.05M | $77.18M |
| Jun 2024 | $762.14M | $670.27M | $2.36M | $83.53M |
| Jun 2025 | $832.15M | $734.29M | $2.53M | $92.28M |
| Jun 2026 | $901.81M | $800.00M | $2.46M | $98.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $800.00M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $800.00M.
Similar-sized banks
First American Bank And Trust Company ($901.90M) · New Millennium Bank ($899.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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