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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

Greenfield Banking Co.

Greenfield, Indiana · $930M in assets · beside the 11 other Indiana banks between $300M and $1B

The filing

13.6%
Equity / assets
1st of 12
53.3%
Efficiency
1st of 12
-1.5%
Loans, year over year
12th of 12, largest first

Greenfield Banking Co. is the second largest of the 12 Indiana banks nearest its size between $300M and $1B, with $930M in assets at 30 June 2026. Loans are 73.6% of deposits, 2nd of 12 against a median of 83.0%, and equity is 13.6% of assets, the highest in the cohort. Loans grew -1.5% in the year, the slowest in the cohort, and deposits grew 5.8%; the cohort's median loan growth is +8.0%.

Noncurrent loans are 0.35% of the book, 5th of 12 against a median of 0.51%; 0.13% is 30 to 89 days past due, and the allowance covers them 4.1 times. Commercial real estate is 34.2% of loans, 9th of 12 against a median of 28.4%, and 159% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 1.72%, 2nd of 12 against a median of 1.06%, on an efficiency ratio of 53.3%, the lowest in the cohort. Five years ago it was 0.88%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

The efficiency ratioIN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 64.3% GB Greenfield Banking Co. 53.3% NS North Salem State Bank 53.9% FS First State Bank of Middlebury 57.3% SV Springs Valley Bank & Trust Co. 57.3% FB FCN Bank National Association 63.0% CS Citizens State Bank New Castle 63.1% SB State Bank 65.5% CF Community First Bank of Indiana 68.2% NW New Washington State Bank 70.6% CB Citizens Bank 70.9% FT Fountain Trust Co. 71.1% FF First Federal Savings Bank 75.6%
Loans, year over yearIN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.0% FT Fountain Trust Co. +44.0% NW New Washington State Bank +22.3% CS Citizens State Bank New Castle +14.5% FB FCN Bank National Association +11.3% CF Community First Bank of Indiana +10.5% SV Springs Valley Bank & Trust Co. +8.2% SB State Bank +7.9% NS North Salem State Bank +6.8% FF First Federal Savings Bank +5.6% CB Citizens Bank +4.1% FS First State Bank of Middlebury +3.6% GB Greenfield Banking Co. -1.5%

SBA 7(a), FY2008 to FY2026

Greenfield Banking Co. is the 207th largest 7(a) lender into Indiana of 351, with $2M across 4 loans, 0.0% of everything approved in the state (The Huntington National Bank leads with $911M). 9 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Indiana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Johnson, IN$2M32nd of 800.7%quiet FY2010
Cuyahoga, OH$1M97th of 1450.1%quiet FY2012
Kanawha, WV$685K28th of 430.6%quiet FY2010
Ada, ID$660K87th of 1330.1%quiet FY2012
Saint Lucie, FL$655K74th of 1030.2%quiet FY2013
San Diego, CA$650K183rd of 2380.0%quiet FY2013
Monmouth, NJ$530K121st of 1600.0%quiet FY2012
Hancock, IN$183K46th of 560.2%quiet FY2013
Marion, IN$150K160th of 1720.0%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance6$4M58.8%0.01%641st of 2,172
Other services2$2M36.1%0.01%815th of 2,248
Accommodation & food services1$183K2.8%0.00%2299th of 2,596
Professional & technical services2$150K2.3%0.00%1652nd of 1,955
7(a) lenders into Indiana, share of approvals since FY2008351 lenders on record; the ten largest and Greenfield Banking Co.
TH The Huntington National Bank 11.3% $911M · 4,690 loans KN KeyBank National Association 4.3% $349M · 745 loans BB Byline Bank 4.2% $338M · 296 loans LO Live Oak Banking Company 4.1% $334M · 259 loans ON Old National Bank 3.4% $275M · 416 loans sS 1st Source Bank 3.3% $271M · 1,827 loans FM First Merchants Bank 2.9% $236M · 743 loans G Gbank 2.5% $202M · 68 loans WF Wells Fargo Bank National Associa… 2.3% $188M · 395 loans FF First Financial Bank 2.2% $181M · 610 loans GB Greenfield Banking Company 0.0% $2M · 4 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Greenfield Banking Co. among them; owner-occupied excluded; bold marks a screen met
Greenfield Banking Co.RankCohort median
Total CRE against capital, the 300% screen159%6th of 12174%
Construction against capital, the 100% screen27%3rd of 1255%
Construction and land development, share of loans5.8%5th of 127.7%
Non-owner-occupied nonfarm nonresidential, share of loans16.4%7th of 1213.9%
Total CRE, the guidance definition, share of loans34.2%9th of 1228.4%
CRE growth over 36 months, the third prong-0.8%1st of 12+19.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Community First Bank of Indiana$980M1.2%68.2%1.32%0.22%1.8%99.7%10.5%
Greenfield Banking Co.$930M1.7%53.3%0.35%0.05%1.4%73.6%13.6%
State Bank$916M1.1%65.5%0.13%0.01%1.5%92.9%11.0%
Citizens State Bank New Castle$909M1.0%63.1%0.40%0.12%1.4%74.2%10.2%
Fountain Trust Co.$845M1.0%71.1%0.63%0.08%1.5%70.1%11.4%
First State Bank of Middlebury$836M1.6%57.3%1.55%0.00%1.6%101.2%11.6%
FCN Bank National Association$812M1.1%63.0%0.02%-0.02%1.1%78.4%8.1%
New Washington State Bank$798M0.9%70.6%0.83%0.07%1.3%73.9%8.8%
North Salem State Bank$770M1.6%53.9%0.67%0.00%1.6%91.2%9.0%
Citizens Bank$691M1.0%70.9%0.09%0.02%1.3%75.1%9.4%
First Federal Savings Bank$687M1.0%75.6%0.94%0.00%1.0%109.9%9.2%
Springs Valley Bank & Trust Co.$675M1.8%57.3%0.14%-0.11%1.4%87.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Greenfield Banking Co.Cohort median
20212026Change20212026Change
Loans$359M$588M+64%$357M$589M+65%
Deposits$723M$799M+10%$536M$714M+33%
NPA / loans0.43%0.35%-0.07 pts0.38%0.51%+0.13 pts
Efficiency62.7%53.3%-9.4 pts62.7%64.3%+1.6 pts
ROA0.88%1.72%+0.84 pts1.21%1.06%-0.16 pts

This read was prepared for Greenfield Banking Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Greenfield Banking Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IN banks $300M to $1B
Institution www.gbcbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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