Total Assets
$623M
Total balance-sheet footings
FDIC Cert #13703 · Greenville, Ohio · Est. 1934
Greenville National Bank - FDIC Bank Health Profile
A community-scale look at Greenville National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $623M
- Total assets
- A
- Health grade · Excellent
- 1.54%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
Greenville National Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.69% Tier 1, profitable at 1.54% ROA, efficient (52% cost ratio).
- #1,527
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 12.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 76th
- 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 National Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Greenville National Bank's composite health score
Tier 1 Capital Ratio (12.69%) 35/40
Return on Assets (ROA) (1.54%) 25/25
Texas Ratio (0.47%) 20/20
Efficiency Ratio (51.94%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$530M
Customer-funded liabilities
Net Loans
$434M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Greenville National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Greenville National Bank's score of 92/100 falls in the highlighted band.
Greenville National Bank'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 National Bank's $623M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.69%
Texas Ratio
0.47%
Equity Capital
$75M
Profitability metrics
Return on Assets (ROA)
76th percentile nationally
1.54%
Return on Equity (ROE)
13.36%
Efficiency Ratio
51.94%
What the numbers say about Greenville National Bank
Greenville National Bank is an FDIC-insured institution (Certificate #13703) headquartered in Greenville, Ohio, established in 1934. It holds $623M in total assets - 1,527th of 4,313 FDIC-insured banks, $530M in customer deposits, and $434M in net loans. Its capital position: a Tier 1 ratio of 12.69%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.47% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Greenville National Bank sits 45th of 158 banks headquartered in Ohio by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$31M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Greenville National Bank reports a Texas Ratio of 0.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.47% - 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 National Bank (FDIC Cert #13703) - 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 National Bank's health grade?▼
Greenville National Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Greenville National Bank?▼
Greenville National Bank holds $623M in total assets and $530M in deposits, ranking 1,527th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenville, Ohio.
Is my money safe at Greenville National Bank?▼
Yes, deposits at Greenville National Bank (Certificate #13703) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Greenville National Bank's Tier 1 Capital Ratio?▼
Greenville National Bank has a Tier 1 Capital Ratio of 12.69%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Greenville National Bank?▼
Greenville National Bank has a Texas Ratio of 0.47%. Staying under 50% is the level analysts treat as 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 National Bank?▼
Greenville National Bank has an Efficiency Ratio of 51.94%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Greenville National Bank's profile as a depositor or analyst.
- Greenville National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Greenville National Bank 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.