Greenfield Savings Bank
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 10.3. A current level of 3.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.7).
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 (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.1) profitability.
Asset Mix:
Home mtgs (47%), comm re (14%), securities (14%), comm loans (4%), cash (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
GSB, MHC
Investment Rating
--
Address
400 Main Street
Greenfield, MA 01301
Greenfield, MA 01301
Phone Number
(413) 774-3191
Year Founded
1869
FDIC Number
Website
Largest Affiliates
No affiliate information available.