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Bradford National Bank of Greenville, The

Greenville, IL · Cert 3799 · Bradford Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bradford National Bank of Greenville, The

Greenville, IL · Cert 3799 · Bradford Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

$722.8MAssets
$304.5MLoans
$602.2MDeposits
$67.2MEquity
Loan mix
80%RE $241.5M11%C&I $32.1M10%Consumer $29.1MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $412.7M31%Noninterest $189.6MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.00%Q2 ’254.79%Q2 ’26+0%+6%

Non-interest income vs. expense

1.88%Q2 ’242.01%Q2 ’252.07%Q2 ’26+5%-5%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.4% share · #43 of 111 inst. · $0.5B of $141.7B

62.8% Bond
3.2% Madison
11.1% Washington
3.7% Marion

Executive Summary

  • Earnings: ROA of 1.13%, up 18 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 1.92% of loans (+93 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 8.93%, down 15 bps from a year ago.
  • Funding: loans stand at 50.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+17 bps YoY

Efficiency Ratio (YTD, annualized)

53.19%-559 bps YoY

Tier 1 Leverage Ratio

8.93%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%1.03%1.17%1.13%+18 bps
Return on Equity11.55%12.21%11.98%13.23%12.59%+104 bps
Net Interest Margin2.92%2.95%2.98%3.04%3.09%+17 bps
Efficiency Ratio58.78%57.18%55.73%51.50%53.19%-559 bps
Non-Interest Burden1.56%1.53%1.49%1.19%1.48%-7 bps
Growth
Asset Growth (YoY)3.95%6.27%5.09%16.03%14.23%+1,028 bps
Loan Growth (YoY)7.94%6.98%2.99%17.26%9.12%+118 bps
Deposit Growth (YoY)9.02%4.66%4.37%14.92%13.60%+458 bps
Asset Quality
Nonperforming Loans / Loans0.99%1.00%1.93%1.33%1.92%+93 bps
Net Charge-Offs / Loans0.05%0.03%0.16%0.35%0.22%+17 bps
Allowance / Loans1.58%1.60%1.64%1.83%1.95%+37 bps
Allowance Coverage of NPLs1.6x1.6x0.8x1.4x1.0x-0.6x
Capital
Tier 1 Leverage Ratio9.08%9.26%9.25%9.39%8.93%-15 bps
Total Risk-Based Capital13.08%13.38%13.41%13.69%14.26%+118 bps
Equity / Assets8.38%8.90%9.07%8.66%9.29%+91 bps
Liquidity & Funding
Loans / Deposits52.65%52.41%52.30%51.65%50.57%-208 bps
Liquid Assets / Assets2.41%4.27%5.60%8.50%7.07%+466 bps
CRE / Total Capitaln/a182.06%182.56%188.11%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bradford National Bank of Greenville, The

Greenville, IL · Cert 3799 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Bradford Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

$722.8MAssets
$304.5MLoans
$602.2MDeposits
$67.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 75% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 40).
  • Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets in the St. Louis, MO-IL area (rank 33 of 38).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 15 of 40

Net Interest Margin

3.09%

Rank 29 of 40

Efficiency Ratio

57.08%

Rank 11 of 40

Equity / Assets

9.29%

Rank 24 of 40

Non-interest income vs. expense

$4.4M$15.4MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 75% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 57.08%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.64%1.04%1.26%Beats 63%15 / 40
Return on Equity11.92%6.25%9.97%13.41%Beats 70%12 / 40
Net Interest Margin3.09%3.09%3.22%3.62%Beats 28%29 / 40
Efficiency Ratio57.08%57.08%64.37%75.86%Beats 75%11 / 40
Asset Quality
Nonperforming Loans / Loans1.92%0.14%0.62%1.92%Beats 26%29 / 38
Net Charge-Offs / Loans0.15%0.00%0.01%0.09%Beats 16%33 / 38
Capital
Tier 1 Capital Ratio13.05%10.29%12.88%15.77%Beats 53%19 / 40
Total Risk-Based Capital Ratio14.26%10.64%13.30%17.01%Beats 55%18 / 40
Equity / Assets9.29%8.59%9.46%12.46%Beats 40%24 / 40
Liquidity & Funding
Loans / Deposits50.57%66.12%79.48%94.60%13th pctl35 / 40
Loans / Assets42.13%54.69%68.52%77.46%13th pctl35 / 40
Brokered Deposits / Depositsn/aNot reported for this institution