BlastPoint's Banking Scorecard

The Bradford National Bank of Greenville

$100M-$1B Specialty: Other IL FDIC cert 3799

Greenville, IL

10 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +13.6% year over year ($602.2M on the books).
Delinquency rate 1.96%.
Return on assets 1.43%.
Efficiency ratio 53.19% vs a 64.48% peer average.
Loan-to-deposit ratio 49.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

The Bradford National Bank of Greenville has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.11% above tier average
+ Efficiency Ratio 11.29% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.53% below tier average
- Delinquency Rate 1.04% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$722.8M +14.2% YoY -2.3% QoQ	+$336.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 11.5% in tier
Total Loans ?	$298.6M +8.7% YoY -4.6% QoQ	+$40.3M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$602.2M +13.6% YoY -2.4% QoQ	+$275.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 12.1% in tier
Return on Assets ?	1.43% +17.2% YoY -3.2% QoQ	+0.11%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	3.46% +7.5% YoY +7.2% QoQ	-0.53%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	53.19% -9.5% YoY +3.3% QoQ	-11.29%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	1.96% +94.2% YoY +44.8% QoQ	+1.04%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 13.3% in tier
Loan-to-Deposit Ratio ?	49.58% -4.3% YoY -2.2% QoQ	-28.37%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 8.2% in tier
Non-Interest-Bearing Deposit Share ?	31.48% +44.0% YoY -4.4% QoQ	+9.45%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	85%
Nonperforming Asset Ratio ?	1.09% +149.6% YoY +28.4% QoQ	+0.42%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	13.05% +7.6% YoY +4.1% QoQ	-2.85%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.30% +29.7% YoY +56.4% QoQ	-0.26%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	31.5% +9.6pp YoY -1.5pp QoQ	+9.3pp	22.1%	20.1%	22.2%	85%
Brokered Deposits	1.8% -2.2pp YoY 0.0pp QoQ	-6.1pp	7.9%	8.0%	8.5%	27%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	10.3% -0.4pp YoY +0.1pp QoQ	-1.2pp	11.6%	14.7%	12.5%	54%
CRE	38.3% -1.1pp YoY -0.5pp QoQ	-1.3pp	39.5%	37.9%	41.4%	49%
1-4 Family	27.7% +1.9pp YoY +1.8pp QoQ	-4.9pp	32.6%	28.3%	31.3%	46%
Consumer	8.9% +2.8pp YoY -0.5pp QoQ	+4.7pp	4.1%	5.4%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.9pp YoY +0.5pp QoQ	-5.8pp	18.8%	19.9%	19.7%	28%
Leverage Ratio	8.9% -0.1pp YoY -0.5pp QoQ	-3.2pp	12.2%	12.2%	12.6%	11%
Total Capital Ratio	14.3% +1.2pp YoY +0.6pp QoQ	-5.7pp	19.9%	20.9%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	86 +11 (+14.7%) YoY +10 (+13.2%) QoQ	+27	58	228	482	81%
Assets per Employee ($)	$8.4M -0.4% YoY -13.7% QoQ	+$887K	$7.5M	$8.3M	$8.8M	73%
Branch Count	10 +2 (+25.0%) YoY 0 QoQ	+5	4	10	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% 0.0pp QoQ	0.0pp	0.3%	0.4%	0.4%	74%
Nonaccrual	1.7% +0.6pp YoY +0.6pp QoQ	+0.7pp	0.9%	1.1%	1.0%	84%
Allowance Coverage	1.02x -36.2% YoY -26.4% QoQ	-23.14x	24.15x	5.62x	20.23x	27%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.1pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	15.9% +1.2pp YoY -0.8pp QoQ	+3.7pp	12.2%	10.5%	11.6%	72%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	69%
Net Income ($, YTD)	$5.0M +31.1% YoY — QoQ	+$2.5M	$2.6M	$11.7M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

217

Loan-to-Deposit Ratio

liquidity

Value: 49.58%

Peer Median: 77.95%

#217 of 2643 Top 8.2% in $100M-$1B

306

Total Assets

size

Value: $722.82M

Peer Median: $386.57M

#306 of 2643 Top 11.5% in $100M-$1B

320

Total Deposits

size

Value: $602.25M

Peer Median: $326.73M

#320 of 2643 Top 12.1% in $100M-$1B

401

Non-Interest-Bearing Deposit Share

funding

Value: 31.48%

Peer Median: 22.03%

#401 of 2643 Top 15.1% in $100M-$1B

629

Efficiency Ratio

profitability

Value: 53.19%

Peer Median: 64.48%

#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2285

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.92%

#2285 of 2633 Bottom 13.3% in $100M-$1B

2160

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.67%

#2160 of 2643 Bottom 18.3% in $100M-$1B