Greenfield Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability. 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).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.1. A current level of 3.4 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Home mtgs (47%), comm re (14%), securities (12%), comm loans (5%), home eq lns (2%), cash (1%), consumer loans (0%), other (19%)
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
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