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Letter portraitLegal landscapeQuarterYTD

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