Greenville, IL · Cert 3799 · Bradford Bcorp Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.4% share · #43 of 111 inst. · $0.5B of $141.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.10% | 0.85% | 1.06% | 1.18% | 1.00% | 1.17% | 1.07% | +1 bps | |
| Return on Equity | 13.02% | 13.01% | 10.28% | 12.75% | 13.70% | 11.16% | 13.23% | 11.95% | -80 bps | |
| Net Interest Margin | 2.97% | 3.14% | 2.89% | 2.98% | 3.06% | 3.09% | 3.04% | 3.33% | +35 bps | |
| Efficiency Ratio | 55.62% | 51.04% | 60.37% | 57.22% | 54.13% | 51.57% | 51.50% | 54.83% | -239 bps | |
| Non-Interest Burden | 1.54% | 1.42% | 1.58% | 1.55% | 1.49% | 1.41% | 1.19% | 1.85% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.28% | 0.23% | 3.95% | 3.95% | 6.27% | 5.09% | 16.03% | 14.23% | +1,028 bps | |
| Loan Growth (YoY) | 6.18% | 8.01% | 10.58% | 7.94% | 6.98% | 2.99% | 17.26% | 9.12% | +118 bps | |
| Deposit Growth (YoY) | 4.82% | 1.85% | 8.21% | 9.02% | 4.66% | 4.37% | 14.92% | 13.60% | +458 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.76% | 0.88% | 1.04% | 0.99% | 1.00% | 1.93% | 1.33% | 1.92% | +93 bps | |
| Net Charge-Offs / Loans | 0.06% | 1.07% | 0.01% | 0.09% | 0.00% | 0.52% | 0.35% | 0.07% | -2 bps | |
| Allowance / Loans | 1.66% | 1.53% | 1.61% | 1.58% | 1.60% | 1.64% | 1.83% | 1.95% | +37 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.7x | 1.5x | 1.6x | 1.6x | 0.8x | 1.4x | 1.0x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.87% | 8.96% | 9.07% | 9.08% | 9.26% | 9.25% | 9.39% | 8.93% | -15 bps | |
| Total Risk-Based Capital | 13.17% | 13.04% | 13.57% | 13.08% | 13.38% | 13.41% | 13.69% | 14.26% | +118 bps | |
| Equity / Assets | 8.75% | 8.23% | 8.30% | 8.38% | 8.90% | 9.07% | 8.66% | 9.29% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.27% | 53.00% | 50.62% | 52.65% | 52.41% | 52.30% | 51.65% | 50.57% | -208 bps | |
| Liquid Assets / Assets | 2.52% | 2.12% | 4.04% | 2.41% | 4.27% | 5.60% | 8.50% | 7.07% | +466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.06% | 182.56% | 188.11% | n/a | n/a | |