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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 75thStandingRank8-Qtr TrendPeer 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