🏦Bank Scorer

GREENFIELD CO-OPERATIVE BANK

GREENFIELD, MA · Supervised by FDIC

Est. 1905FDIC #26,397RSSD: FDIC-26397
Part ofGREENFIELD BCORP MHC→ View all charters
Outstanding Same

Current rating · Exam: October 2012

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

63 Federal St, GREENFIELD, MA

County

Franklin County

Established

January 1, 1905

Total Assets

$858M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$858M

Total Deposits

$757M

Net Loans

$527M

Net Income

$1M

ROA

0.64%

ROE

5.58%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.27%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$734M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427571.64%7.27%
202328477.11%6.69%
202234475.87%10.76%
202150780.08%6.71%
202050471.03%8.73%
201940477.48%7.67%
201838882.22%8.25%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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