Greenfield Banking Co
Greenfield, Tennessee · FDIC Cert #15255
Greenfield Banking Co is an FDIC-insured bank (Certificate #15255) with $130M in total assets and $119M in total deposits as of the Q2 2024 Call Report. Headquartered in Greenfield, Tennessee, the bank maintains a Tier 1 capital ratio of 11.15% (Well-Capitalized) and a nonperforming loan ratio of 0.59%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Greenfield Banking Co (FDIC cert 15255) is a community bank — $130M in total assets, $119M in deposits, serving the Greenfield, Tennessee area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.15% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.59% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.24% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Greenfield Banking Co carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Greenfield Banking Co
- Total Assets
- $130M
- Total Deposits
- $119M
- Tier 1 Capital Ratio
- 11.15%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.59%
- Liquidity Ratio
- 25.98%
- Return on Assets
- 1.24%
- Headquarters
- Greenfield, Tennessee
- FDIC Certificate
- #15255
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Greenfield Banking Co holds a Tier 1 capital ratio of 11.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Greenfield Banking Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Greenfield Banking Co shows strong financial health indicators. With $130M in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Greenfield Banking Co Compares
Greenfield Banking Co’s Health Score of 79 is 9 points above the Tennessee state average of 70 across 95 FDIC-insured banks. Its 11.15% Tier 1 capital ratio is 2.8 points below the US banking industry average near 14%. The 0.59% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.24% is in line with or above the national ROA benchmark of ~1.1%. Among 1266 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Greenfield Banking Co is 9 points above the portfolio average of 70.
Frequently Asked Questions
Greenfield Banking Co has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Greenfield Banking Co's Tier 1 capital ratio of 11.15% and nonperforming loan ratio of 0.59% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Greenfield Banking Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15255). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Greenfield Banking Co holds $130M in total assets and $119M in total deposits. It is headquartered in Greenfield, Tennessee (FDIC Certificate #15255).
Greenfield Banking Co has a Tier 1 capital ratio of 11.15%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.59%, and the return on assets is 1.24%.
Yes. Greenfield Banking Co is FDIC-insured (Certificate #15255). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Greenfield Banking Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.