The Bradford National Bank of Greenville: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.31 percentage points in Q2 2026 to 3.55%, the biggest move on this page. Within Illinois, The Bradford National Bank of Greenville is 191st of 323 on net interest margin, 3.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bradford National Bank of Greenville sits 0.40 points lower, at 3.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 6.86% |
| Yield on securities | 4.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $2.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.95% | 1.95% | 3.22% | 5.80% | 4.31% |
| Q4 2023 | 5.02% | 2.39% | 2.88% | 5.73% | 4.41% |
| Q1 2024 | 5.19% | 2.55% | 2.91% | 5.81% | 4.66% |
| Q2 2024 | 5.69% | 2.68% | 3.31% | 6.76% | 4.79% |
| Q3 2024 | 5.65% | 2.80% | 3.18% | 6.47% | 4.98% |
| Q4 2024 | 5.69% | 2.62% | 3.36% | 6.58% | 4.92% |
| Q1 2025 | 5.40% | 2.57% | 3.11% | 6.43% | 4.58% |
| Q2 2025 | 5.44% | 2.56% | 3.19% | 6.45% | 4.55% |
| Q3 2025 | 5.53% | 2.55% | 3.28% | 6.57% | 4.65% |
| Q4 2025 | 5.45% | 2.17% | 3.31% | 6.48% | 4.58% |
| Q1 2026 | 5.19% | 1.96% | 3.24% | 6.45% | 4.29% |
| Q2 2026 | 5.41% | 1.89% | 3.55% | 6.86% | 4.30% |
The Bradford National Bank of Greenville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bradford National Bank of Greenville, freeSource: Call Report Schedules RI and RC-K, 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)