# GREENFIELD BANKING CO
GREENFIELD, IN · FDIC certificate 15632 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $930.5M | |
| Deposits | $798.6M | |
| Loans and leases | $588.1M | |
| Total equity | $126.3M | |
| Loans / deposits | 72.58% (p30 of band) | 82.04% |
| Liquid assets / assets | 34.42% (p74 of band) | |
| Uninsured deposits / deposits | 42.11% (p90 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.92% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -1.72% (p81 of band) | -8.10% |
| AOCI / equity | -1.63% (p11 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.28% |
| Net interest margin | 4.22% (p68 of band) | 3.91% |
| Efficiency ratio | 53.32% (p26 of band) | |
| Noncurrent loans | 0.35% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 408.58% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 27.16% (p33 of band) | |
| Auto loans | $1.7M (0.30% of loans; DQ 8.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 123 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, reserve under noncurrent |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | NIM <2.5% | capital falling |
| 2022-06 | 0 |  | NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | charge-offs p90 |  |
| 2024-03 | 0 |  | deposits shrinking, charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-07 [Commercial land goes to Greenfield Banking Co. - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSW5EbXhmNE5oZWl5dkxnb3lMYmx0ZmJCenNldzUwTjcxOGVoRU9nMGNNa3BvWWh1NU5xTmhBWnFpZXJtdWZXRnZ3eW5YWFQxdW53Q1hpQWdUTXR1NHgtbGhlRTZ6NFhxNGtLd0dIdjRiR0FDNkZZMUszRU9xamdwcE80RzZZcGVUUHI2X2gxa0JuQi1WRXRn?oc=5) · The Daily Reporter - Greenfield Indiana
- 2025-05-14 [Ruling in bank’s favor means selling two McKenzie Plaza properties - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMisgFBVV95cUxQWURkcG81V1FkTzM3b3VqLWM3VXdqX1hjQy1RUDVUOEo2N3RsQmFOelUyNHNHa0llbUd3Q1VZaDRqZWtkOFJWSHJaTjlZN1JCOFVjVDZwWldWSThIMUZXb2tYOHBaUFFpNXRJNXFtWmw3TEh3MEUxTjJ4aDVNNV8tRDRKQ2dxT1ZaMnVPcjE1Q3AtUVA1Vk85cHl6ZXFOTnhDcFQ4WkxIMjM4ZnJ6M1JfTWVn?oc=5) · The Daily Reporter - Greenfield Indiana
- 2018-06-03 [Man arrested in Cumberland bank robbery found not guilty - Fox 59](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMTRXamxrcXNna3UwYUxBOEtaR1pwRVkyLUNWU1NwWVVHd0ZwMGtneGNVbDR2UUdFRzg5TmxvbVc5MHRSSlFPNU0yS3pKMXgybjV2QTB3VFhUamVCQ0c3Z1VYdDBWelo1a0xRY1pFMFJXX2FSVXZCR0RTUndrQUFObHkydGgtVnfSAYwBQVVfeXFMTWQ5by1LbmQ0TWJmd0w2Wjd4VncxbkZWSEl3VVBSX3ZtcGFoZU5FOERWWE9HTHo3WGJZQ2lqSE9YQnl3UmhlSE14c2ZtNUN5anQ1TFlYUzdpTmFCbXVUZ2x1c1BEbml0RUZ5LUF4RUIza01jVmRsT2dwQVl1VW4tQ2o2SG1GcGZNQ05PbDM?oc=5) · Fox 59
- 2025-06-20 [Business properties to be sold at sheriff’s sale to satisfy bank loans - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMitwFBVV95cUxNOGlWVkp1eU5OWVNiVmlZdnllUXdpSC13aHh6cDhpRDFkbXZGb2d3WWJ1dE9lcTNKak5vUG5pdVpUU1NZTXlSNThVZ05TOVFvRHcxX0ZUQnhoVVcyYkFKTThYMUxIbDlSd1NsRUlHWHdCV1g3M1pjTERrbDNMM1l6RTdDX0Y3OEdlWENPR2ZGa3BmUlhxN1habzBfd3AwQWxyQVFwRm5vVk02bE1iak4ybFRZeFhFd0U?oc=5) · The Daily Reporter - Greenfield Indiana
- 2014-05-27 [Who got promoted in Indy this week? (May 16-22) - IndyStar](https://news.google.com/rss/articles/CBMisAFBVV95cUxPOFVKdnRKZ18tcl9mSFY5ZHdFY0pkbm90S1ZvYjVjMS1fZTBjendjLWVGdHRkbGU2LWFJNzRNZmJWaUE4cGUyaTZVMHRLckNEcjlBTHlDVUdFSEc0LTVvcGZGWE5fbW14VmxqRThJN1BHNm92M0ktSVVnMWxjQVhrUXpSeHY2R25Yb1Z1cGZmQmRWeVJYR2tmMmQ1T0tTUndYMFFFU3VnaTJmT3BnSi05TA?oc=5) · IndyStar
- 2025-02-01 [Bank sues local developer, saying it defaulted on construction loans - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMitAFBVV95cUxPSjVObWxSVUMtTHhxTHZYTG1odzJEU0pmcDd1QWNjS2RXMHZZQTI4RHpMb1J1VTNkSzdXdTMtN1RkdHk0UEkzTlVtNlhtLU8tS3JHQXM3cXE2bDZtVlh5Rk10Ukg2TnlqMW90anJvdF9CV0s1UXlEcjBTYVE1NlgxMHdyS1NJWThMeUVlY0haSlpxTnFxeXFHZmloN1Jnc3BLR0pIZmNNajUxSXZyakpNbUpUVEQ?oc=5) · The Daily Reporter - Greenfield Indiana
- 2016-05-13 [Business Briefs – May 13 - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMiekFVX3lxTFBXY0VidHpaWmU3aW40eDgteXJvNW5MdGhSdVBJRkxuRE56aHZkZWQ3R1p0M0pOXzdMQVNlemJmOEJLajNJUFVyN0Yxa2gtWUlWTms5c0FLN3hINS1CRUlkSHJWd0NaaUdpTWJEVFA5ZjktaWphVE82NGRB?oc=5) · The Daily Reporter - Greenfield Indiana
- 2020-08-07 [Business Briefs: Downtown pizzeria moving after fire - The Daily Reporter - Greenfield Indiana](https://news.google.com/rss/articles/CBMinwFBVV95cUxObGVPX0VIRlFBYlgwZkRPNU1FV1NDdEFEcEtqZW5xNVdtZnQ3OTA4MktXZjhkd3VHMHdpbjVob0VPSzFRNGpJYVhxSXo2d2UxN3lPaFNwV0dfRDJTV3h0WDNjdlFzV0lQR2dSZzJVRUcyZDJGcTMzQUhUWlJoX3RRa2RRbHZoZmtvaGZuQnRuUHVUQUZmNVA5NFJkLTZjMUE?oc=5) · The Daily Reporter - Greenfield Indiana

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15632 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "15632", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide