Greenfield Co-operative Bank: how it compares with its peers
Against 43 MA banks with half to twice its assets, Greenfield Co-operative Bank's strongest measure in Q2 2026 is net interest margin (3.24% vs. a 3.04% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $9.1M).
| Measure | Greenfield Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 0.59% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 3.04% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.75% | 76.51% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $9.1M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.00% | 94.34% | Context |
What it means for lending operations
Its efficiency ratio of 76.75% is above the 76.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mechanics Cooperative Bank Taunton, MA · $899M
- The Savings Bank Wakefield, MA · $891M
- StonehamBank, A Co-operative Bank Stoneham, MA · $918M
- Winchester Co-operative Bank Winchester, MA · $947M
- Coastal Heritage Bank Weymouth, MA · $984M
- Rollstone Bank & Trust Fitchburg, MA · $816M
Questions about Greenfield Co-operative Bank
How big is Greenfield Co-operative Bank?
Greenfield Co-operative Bank, established in 1905, is headquartered in Greenfield, MA. It reported $902M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Greenfield Co-operative Bank's return on assets?
0.57% annualized in Q2 2026, against a 0.59% median for 43 MA banks with half to twice its assets, ahead of 49% of them.
What is Greenfield Co-operative Bank's efficiency ratio?
76.75% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 76.51%, and lower is better.
Is Greenfield Co-operative Bank growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.