The Bradford National Bank of Greenville
The Bradford National Bank of Greenville is an FDIC-insured commercial bank headquartered in Greenville, IL, supervised by the OCC, with $722.8M in total assets at Q2 2026, up 14.2% from Q2 2025, the 71st largest of 319 banks headquartered in Illinois. It was established in 1867 and holds FDIC certificate 3799. Its CET1 capital ratio was 13.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as BNB of Greenville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3799
- Headquarters
- Greenville, IL
- Established
- 1867
- Total assets, Q2 2026
- $722.8M
- Assets vs Q2 2025
- +14.2%
- CET1 ratio, Q2 2026
- 13.05%
- Domestic offices
- 10 · The Bradford National Bank of Greenville branches FDIC institution directory, current count
- Routing number
- 081905014
- Safety and soundness
- Is The Bradford National Bank of Greenville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Bradford National Bank of Greenville Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- BRADFORD BANCORP, INC.
- Asset rank in state
- 71st of 319 in Illinois
Problem loans are rising at The Bradford National Bank of Greenville. Based in Greenville, Illinois, it had $723 million in assets at June 30, 2026, up 14.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.92% of loans from 0.99% a year earlier. It funds 8.93% of its assets with Tier 1 capital, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 13.6% over the year, about triple the median of 4.1% for banks its size.
The commercial and industrial book ($31 million) is worsening: 6.51% of it is past due or on nonaccrual, up from 1.29% a year earlier. Deposits are coming in faster than loans: over the year loans rose 9.1% and deposits rose 13.6%. Credit is the area to watch: it carries problem assets equal to 12.7% of the capital and reserves that would absorb them, 4.8 times the median of 2.7% for banks its size.
As of June 30, 2026, The Bradford National Bank of Greenville reported a CET1 capital ratio of 13.05%, a return on assets of 1.33%, a nonperforming-loan ratio of 1.92% and a Texas ratio of 12.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bradford National Bank of Greenville is the 71st largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 2.3% to $722.8M, loans fell 4.5% and deposits fell 2.4%. 1-4 family residential loans made up 27.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.8%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in IL; its Greenville 2 offices book 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bradford National Bank of Greenville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E College Ave, Greenville, IL 62246
- County
- Bond
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1867
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $602.2M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $333K
- Average total assets
- $743.1M
- Average total loans
- $311.8M
- Average interest-bearing deposits
- $439.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3799
- Fed RSSD
- 720746
- SEC CIK
- 2109654 → filed by BRADFORD BANCORP, INC.
- Website
- www.bradfordbank.com →
- Parent Holding Company
- BRADFORD BANCORP, INC. (RSSD 2456919)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bradford National Bank of Greenville's total assets ranged from $601.0M (Q3 2023) to $740.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$722.8M total assets against $632.8M; $655.7M total liabilities against $579.8M.
$298.6M net loans and leases against $274.7M; $602.2M total deposits against $530.1M.
$306.6M securities against $293.6M; $72.3M cash and balances due against $25.6M.
$9.3M total interest income against $8.2M; $3.3M total interest expense against $3.5M.
$6.1M net interest income against $4.8M.
$755K total noninterest income against $701K; $4.2M total noninterest expense against $3.2M.
$150K provision for credit losses against $112K.
$2.5M net income against $2.1M.
1.33% return on assets against 1.32%; 3.55% net interest margin against 3.19%.
13.05% CET1 capital ratio against 12.14%; 8.93% tier 1 leverage ratio against 9.08%.
Inside the full The Bradford National Bank of Greenville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bradford National Bank of Greenville rankings
Its closest position to the top of a national ranking is 431 of 3,640, for Texas Ratio; its furthest is 1,379 of 2,134, for CET1 ratio.
Banks merged into The Bradford National Bank of Greenville
- State Bank of St. Jacob, effective March 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 1.47% (Q1 2026) and its net interest margin ran from 3.11% (Q1 2025) to 3.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.05% | 1.33% | 1.92% | 12.74% | 3.55% |
| Q1 2026 | 12.54% | 1.47% | 1.33% | 10.77% | 3.24% |
| Q4 2025 | 12.44% | 1.19% | 1.93% | 9.89% | 3.31% |
| Q3 2025 | 12.42% | 1.47% | 1.00% | 5.34% | 3.28% |
| Q2 2025 | 12.14% | 1.32% | 0.99% | 5.75% | 3.19% |
| Q1 2025 | 12.60% | 1.05% | 1.04% | 5.89% | 3.11% |
| Q4 2024 | 12.13% | 1.39% | 0.88% | 5.39% | 3.36% |
| Q3 2024 | 12.18% | 1.31% | 1.76% | 9.65% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bradford National Bank of Greenville | Greenville , IL | 62246 | $273.5M |
| Highland Branch - Bradford | Highland , IL | 62249 | $89.5M |
| State Bank of St Jacob Branch | Saint Jacob , IL | 62281 | $79.1M |
| Marine Branch | Marine , IL | 62061 | $44.9M |
| Centralia Facility Branch | Centralia , IL | 62801 | $39.3M |
| Irvington Branch | Irvington , IL | 62848 | $32.7M |
| Nashville Facility | Nashville , IL | 62263 | $31.8M |
| The Bradford Lane Branch | Greenville , IL | 62246 | $7.2M |
| Breese Branch | Breese , IL | 62230 | $4.3M |
| St. Jacob Branch | St. Jacob , IL | 62281 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2026 | Structure Change | Acquired State Bank of St. Jacob Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | Structure Change | Acquired Community Trust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 6, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 91 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 195 applications, 156 loans originated, $35.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $42K approved, $42K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bradford National Bank of Greenville
What are The Bradford National Bank of Greenville's total assets?
As of the Q2 2026 filing, The Bradford National Bank of Greenville reported total assets of $722.8 million in its FFIEC call report.
Where is The Bradford National Bank of Greenville headquartered?
It is headquartered in Greenville, IL, United States.
When was The Bradford National Bank of Greenville founded?
It was established in 1867, per the FDIC institution directory.
Is The Bradford National Bank of Greenville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bradford National Bank of Greenville?
The Bradford National Bank of Greenville's primary federal regulator is the OCC.
What is The Bradford National Bank of Greenville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bradford National Bank of Greenville operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bradford National Bank of Greenville's Texas Ratio?
Its Texas Ratio is 12.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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