BlastPoint's Banking Scorecard

The Bradford National Bank of Greenville

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

Greenville, IL

10 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in 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 0.21% above tier average
+ Efficiency Ratio 13.79% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.71% below tier average
- Delinquency Rate 0.47% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$740.2M +16.0% YoY +12.9% QoQ	+$354.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 10.6% in tier
Total Loans ?	$313.0M +17.0% YoY +13.2% QoQ	+$57.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$617.3M +14.9% YoY +14.8% QoQ	+$289.3M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 11.4% in tier
Return on Assets ?	1.48% +36.8% YoY +14.7% QoQ	+0.21%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.23% +2.4% YoY -1.4% QoQ	-0.71%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	51.50% -14.7% YoY -7.6% QoQ	-13.79%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	1.35% +28.1% YoY -31.2% QoQ	+0.47%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	50.70% +1.8% YoY -1.4% QoQ	-25.94%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 10.0% in tier
Non-Interest-Bearing Deposit Share ?	32.94% +43.3% YoY +13.0% QoQ	+10.92%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 12.6% in tier
Nonperforming Asset Ratio ?	0.85% +92.0% YoY +2.5% QoQ	+0.21%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	12.54% -0.5% YoY +0.7% QoQ	-3.29%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.19% +59.3% YoY -56.8% QoQ	-0.09%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	85%

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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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

268

Loan-to-Deposit Ratio

liquidity

Value: 50.70%

Peer Median: 76.64%

#268 of 2664 Top 10.0% in $100M-$1B

284

Total Assets

size

Value: $740.22M

Peer Median: $386.08M

#284 of 2664 Top 10.6% in $100M-$1B

306

Total Deposits

size

Value: $617.31M

Peer Median: $327.97M

#306 of 2664 Top 11.4% in $100M-$1B

337

Non-Interest-Bearing Deposit Share

funding

Value: 32.94%

Peer Median: 22.02%

#337 of 2664 Top 12.6% in $100M-$1B

408

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#408 of 2664 Top 15.3% in $100M-$1B

495

Efficiency Ratio

profitability

Value: 51.50%

Peer Median: 65.29%

#495 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (3 metrics)

2169

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.93%

#2169 of 2664 Bottom 18.6% in $100M-$1B

2088

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.89%

#2088 of 2654 Bottom 21.4% in $100M-$1B

2026

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.64%

#2026 of 2664 Bottom 24.0% in $100M-$1B