# GREENVILLE SAVINGS BANK
GREENVILLE, PA · FDIC certificate 30637 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $342.7M | |
| Deposits | $256.4M | |
| Loans and leases | $276.4M | |
| Total equity | $44.1M | |
| Loans / deposits | 107.14% (p95 of band) | 82.04% |
| Liquid assets / assets | 15.21% (p17 of band) | |
| Uninsured deposits / deposits | 6.64% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.86% (p81 of band) | |
| FHLB advances / assets | 11.86% | |
| Tier 1 leverage | 12.84% (p78 of band) | 10.81% |
| Unrealized securities loss / equity | -5.41% (p60 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.72% (p18 of band) | 1.28% |
| Net interest margin | 2.87% (p7 of band) | 3.91% |
| Efficiency ratio | 68.42% (p69 of band) | |
| Noncurrent loans | 0.17% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 349.48% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 28.56% (p35 of band) | |
| Auto loans | $55,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | NIM <2.5%, uninsured deposits leaving |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 3 | loans exceed deposits |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 3 | expense ratio p90 |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | expense ratio p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2025-04-08 [Greenville Savings Bank opens New Wilmington branch - alliednews.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQWmFiU3FINDViSnB6OTRRTXdYdWlUVnJMVklKeFE0OUVUaHVjNUFaTzRNcS1qVkpiVmZyaDdSTkE1Q3V4SkhERHAyYlhwNXdndTRfdG8wcmwzUUFaNncwdnZOTWkwcjZMZ0VmUEQ3WE9wRXlNSjI3UWdkLW1vOEVuZ1pYejdZbVFmRk5ycUNaUnYydWhLTm1ZX1BOcFItTmRkWFZJRndnelpPai1mcURxbG4zYlY2MW1SbVVWb3NidE1VU09Hb0o2d1NIQW1tUQ?oc=5) · alliednews.com
- 2025-11-26 [Pennsylvania bank helps 'Stuff the Bus' for United Way - WFMJ](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNSVJFeEZ1NnMxdmdIckM2a0tMQlVxb0EtWGQtcDdwSzZjOGZvZDhCcGNJTHM4cGJtMGtUbEVDVlZlZ2ZVOWNMa2Zvd1dMeF9RNGJ6Y3N4bGxXR3ZXSUFSRG5zMGQ3anZJR3kxRnRaVDF4RWdHcE9BczVTM2RjVnJEVXlPTGhnRGNnbVFqbU0zdFhpdUFZVThCSlI1T0FqQ2Y5YllLaXdyT1lFaU5XSmkxbDB5c2JIbWFxQThYUzRvbVQxT2J6ZmZBa2ZfOE80OXBlTDRJa2Utd3JxVTk1OG5ubVlWVm5vQQ?oc=5) · WFMJ
- 2026-06-20 [Philip C. Godfrey Obituary Jun 20, 2026 - loutzenhiserfuneralhomes.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFB0Z1VnRVMta1QwZG5OdmYzTi15ZXZodEVyZ1NneWxmeFVpRE5JNDVPRUlHaXNhTk45T1FwaVlHWjFuN0FKTkstSkE5MGlfb0NyVHBrWEdrS2JmM0FheUhjbEk5TWFRRVJzSVBhMXNHZkoycTBq?oc=5) · loutzenhiserfuneralhomes.com
- 2025-09-29 [Warren R. "Budge" Keck III. Obituary Sep 29, 2025 - loutzenhiserfuneralhomes.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE45VzkxNFpKN012N0hCUEpka2dQeFVySDFfdk9kTF9FdHBHVEFxcEtEbGp0ZkpDUnE2aUtZQVU2Qms3VDNPM2tVQ0dHUDFxdnZ3S00zV0Vmb2FHZlVBZXZ1d1hhZU51OHk1dEZkdzZpTlA?oc=5) · loutzenhiserfuneralhomes.com
- 2013-01-16 [Obituary for Janice Roberts - Robert L. Snyder Funeral Home & Crem](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1qT21kY1pfX1ZjS2V2SzMyZWNaakdKV2g2WEVoNVNHbEVfeUNQajN4WDFYUFVCbTJ3QzM3TU9EY0EwdGt5OENTQVU2Zkg2SFZkVUF1THYxTXk3YnJo?oc=5) · Robert L. Snyder Funeral Home &amp; Crem
- 2023-03-03 [Karen Marie Hamm Obituary (1969 - 2023) - New Castle, PA - Mahoning Matters - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNaFVMX053NU14U05wWWNxZ1RzQU9hT2VXZmE5YjRSLTEtbTk3OFA5cmpDMVFlT2M2RzItSG80WkU3YzRiVFJfVW1COGhhMDd3ZzN2RmZybjVzWnZCSGZYeHJ6OV9RYjk5VjhVTzY4ZW5IdGRLdFJDbjRkM2tYcDByR1p5OVBjY1l4OGRjRTRDaVNDVlE?oc=5) · legacy.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2026-02-01 [Jack L. Redmond Obituary Feb 1, 2026 - loutzenhiserfuneralhomes.com](https://news.google.com/rss/articles/CBMickFVX3lxTE40aU5yRXk1OWhQTVVrblZTSmlHQlVLemxHQ1NqLWNPNmtQMnNsZGFOaFl4eENjaVJ6M044YVNKTVRrWkpzSVJxSlNHTmxnemJua3VGWDRlZmllTUhCc2k3eklzX1hpbmI4YnhqdGdvbXVaZw?oc=5) · loutzenhiserfuneralhomes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30637 (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/45.json (key "30637", 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