The Bradford National Bank of Greenville: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.50 percentage points lower than in Q1 2026, at 92.64%. Within Illinois, The Bradford National Bank of Greenville is 281st of 323 on loan-to-deposit ratio, 50.57% as of Q2 2026, below the middle of the field. The Bradford National Bank of Greenville reported 50.57% on loan-to-deposit ratio for Q2 2026, 30.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $304.5M |
| Net loans and leases | $298.6M |
| Loans held for sale | $544K |
| Loans to total assets | 42.13% |
| Loan-to-deposit ratio | 50.57% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.69% |
| Multifamily (5+ residential) | 3.47% |
| Commercial and industrial | 10.12% |
| Consumer | 8.67% |
| Credit cards | 0.20% |
| Farm | 10.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.64% |
| Construction concentration (Tier 1 capital + allowance) | 27.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.85% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $249.0M | $491.9M | 26.50% | 12.76% | 5.93% |
| Q4 2023 | $252.8M | $505.8M | 25.50% | 12.34% | 5.85% |
| Q1 2024 | $245.9M | $496.4M | 26.64% | 10.83% | 5.85% |
| Q2 2024 | $258.6M | $486.3M | 26.41% | 10.22% | 5.50% |
| Q3 2024 | $264.4M | $515.6M | 25.31% | 9.43% | 7.34% |
| Q4 2024 | $273.0M | $515.2M | 24.90% | 9.13% | 7.16% |
| Q1 2025 | $271.9M | $537.2M | 26.25% | 8.29% | 6.68% |
| Q2 2025 | $279.1M | $530.1M | 25.57% | 10.57% | 5.99% |
| Q3 2025 | $282.8M | $539.6M | 24.87% | 10.80% | 5.52% |
| Q4 2025 | $281.2M | $537.7M | 26.56% | 10.20% | 5.39% |
| Q1 2026 | $318.8M | $617.3M | 28.21% | 10.05% | 9.13% |
| Q2 2026 | $304.5M | $602.2M | 27.69% | 10.12% | 8.67% |
The Bradford National Bank of Greenville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bradford National Bank of Greenville, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bradford National Bank of Greenville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3799) · FFIEC NIC profile (RSSD 720746)