🏦Bank Scorer

GREENFIELD SAVINGS BANK

GREENFIELD, MA · Supervised by FDIC

Est. 1869FDIC #90,206RSSD: FDIC-90206
Part ofGSB MHC→ View all charters
Outstanding Same

Current rating · Exam: May 2025

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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 0.58%

Institution Profile

FDIC BankFind

Address

400 Main St, GREENFIELD, MA

County

Franklin County

Established

March 19, 1869

Total Assets

$1.5B(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

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$1.2B

Net Income

$2M

ROA

0.58%

ROE

6.23%

Risk-Based Capital

16.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate8.96%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202448073.96%8.96%
202351172.41%9.98%
202254676.37%6.78%
202178870.94%9.52%
202076867.32%8.33%
201961870.06%9.71%
201867568.15%12.44%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 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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