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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Greenfield Coop Bank

Greenfield, Massachusetts · $902M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

69.7%
Loans / deposits
1st of 12
20.8%
CRE / loans
2nd of 12
+7.9%
Loans, year over year
2nd of 12, largest first

Greenfield Coop Bank is the fourth largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $902M in assets at 30 June 2026. Loans are 69.7% of deposits, the lowest in the cohort against a median of 89.5%, and equity is 10.9% of assets, 5th of 12. Loans grew +7.9% in the year, 2nd of 12, and deposits grew 8.9%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.72% of the book, 10th of 12 against a median of 0.38%; 0.04% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 20.8% of loans, 2nd of 12 against a median of 34.8%, and 105% of capital, below the 300% screen, with construction at 13% against the 100% screen.

Return on assets is 0.56%, 5th of 12 against a median of 0.50%, on an efficiency ratio of 76.8%, 7th of 12. Five years ago it was 0.40%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 89.5% GC Greenfield Coop Bank 69.7% Bo Bank of Canton 81.4% SB Savings Bank 84.2% RB Rollstone Bank & Trust 85.4% MS Monson Savings Bank 88.4% CS Clinton Savings Bank 89.1% WC Winchester Coop Bank 89.9% SA Stonehambank A Coop Bank 93.0% EB Eagle Bank 95.0% CH Coastal Heritage Bank 95.6% SC Savers Coop Bank 108.9% MC Mechanics Coop Bank 109.8%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% CH Coastal Heritage Bank -3.3% RB Rollstone Bank & Trust -12.9%

SBA 7(a), FY2008 to FY2026

Greenfield Coop Bank is the 70th largest 7(a) lender into Massachusetts of 309, with $14M across 140 loans, 0.2% of everything approved in the state (Eastern Bank leads with $778M). 3 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, 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
Franklin, MA$9M1st of 3419.7%-5.4 pts
Hampshire, MA$2M11th of 553.2%-8.1 pts
Hampden, MA$2M26th of 830.9%+0.2 pts
Cheshire, NH$850K16th of 411.1%quiet FY2012
Cobb, GA$250K168th of 1820.0%quiet FY2022
Windham, VT$80K34th of 390.1%quiet FY2019
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
Retail trade21$2M13.5%0.00%1149th of 2,589
Agriculture, forestry & fishing6$2M12.7%0.02%325th of 1,007
Manufacturing27$2M12.2%0.00%1121st of 2,246
Arts, entertainment & recreation11$1M9.7%0.01%675th of 1,656
Health care & social assistance8$1M8.8%0.00%1024th of 2,172
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Greenfield Coop Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans GC Greenfield Co-operative Bank 0.2% $14M · 140 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Greenfield Coop Bank among them; owner-occupied excluded; bold marks a screen met
Greenfield Coop BankRankCohort median
Total CRE against capital, the 300% screen105%2nd of 12245%
Construction against capital, the 100% screen13%1st of 1250%
Construction and land development, share of loans2.6%2nd of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans6.1%2nd of 1216.1%
Total CRE, the guidance definition, share of loans20.8%2nd of 1234.8%
CRE growth over 36 months, the third prong+44.3%10th of 12+17.8%

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
Coastal Heritage Bank$984M0.4%83.1%0.60%0.00%1.1%95.6%11.0%
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Greenfield Coop BankCohort median
20212026Change20212026Change
Loans$456M$557M+22%$482M$625M+30%
Deposits$703M$800M+14%$580M$701M+21%
NPA / loans1.04%0.72%-0.32 pts0.41%0.38%-0.04 pts
Efficiency78.7%76.8%-2.0 pts75.1%76.2%+1.2 pts
ROA0.40%0.56%+0.15 pts0.66%0.50%-0.16 pts

This read was prepared for Greenfield Coop Bank'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 Coop Bank 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 MA banks $300M to $1B
Institution www.greenfieldcoopbank.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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