Total Assets
$269M
Total balance-sheet footings
FDIC Cert #27965 · Greenville, Ohio · Est. 1883
Greenville Federal - FDIC Bank Health Profile
A community-scale look at Greenville Federal's own numbers, pulled straight from its quarterly FDIC Call Report.
- $269M
- Total assets
- C
- Health grade · Fair
- 0.05%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
Greenville Federal earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.57% Tier 1, 0.05% ROA, 97% efficiency ratio.
- #2,652
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 10.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Greenville Federal's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Greenville Federal's composite health score
Tier 1 Capital Ratio (10.57%) 28/40
Return on Assets (ROA) (0.05%) 7/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (97.12%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$243M
Customer-funded liabilities
Net Loans
$221M
Outstanding loan book
Net Income
$132K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Greenville Federal ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Greenville Federal's score of 55/100 falls in the highlighted band.
Greenville Federal's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Greenville Federal's $269M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.57%
Texas Ratio
0.80%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.05%
Return on Equity (ROE)
0.66%
Efficiency Ratio
97.12%
What the numbers say about Greenville Federal
Greenville Federal is an FDIC-insured institution (Certificate #27965) headquartered in Greenville, Ohio, established in 1883. It holds $269M in total assets - 2,652nd of 4,313 FDIC-insured banks, $243M in customer deposits, and $221M in net loans. On safety, its Tier 1 capital ratio of 10.57% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.80% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (55/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, Greenville Federal ranks 84th of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Greenville Federal reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Greenville Federal (FDIC Cert #27965) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is Greenville Federal's health grade?▼
Greenville Federal receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Greenville Federal?▼
Greenville Federal holds $269M in total assets and $243M in deposits, ranking 2,652nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenville, Ohio.
Is my money safe at Greenville Federal?▼
Yes, deposits at Greenville Federal (Certificate #27965) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Greenville Federal's Tier 1 Capital Ratio?▼
Greenville Federal has a Tier 1 Capital Ratio of 10.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Greenville Federal?▼
Greenville Federal has a Texas Ratio of 0.80%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Greenville Federal?▼
Greenville Federal has an Efficiency Ratio of 97.12%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Greenville Federal's profile as a depositor or analyst.
- Greenville Federal's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Greenville Federal against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.