Greenfield Co-operative Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. A current level of 4.1 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 21.1 percent.
Asset Mix:
Home mtgs (38%), securities (22%), cash (12%), comm re (7%), comm loans (2%), home eq lns (2%), consumer loans (0%), other (17%)
States with Branches:
MA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Greenfield Bancorp MHC
Investment Rating
--
Address
63 Federal Street
Greenfield, MA 01301
Greenfield, MA 01301
Phone Number
(413) 772-0293
Year Founded
1905
FDIC Number
Largest Affiliates
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