TellerScore

The Bradford National Bank of Greenville (FDIC certificate #3799) is based in Greenville, Illinois. Its Q2 2026 call report shows $722.8M in total assets and $602.2M in deposits and 10 offices.

Based on its Q2 2026 filing, The Bradford National Bank of Greenville scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 261st. Its strongest component is funding & liquidity (93/100; 50% loans-to-deposits, 21% uninsured), and its lowest is loan quality (36/100; 1.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.93%
Loan quality36/100
Noncurrent loans ÷ total loans: 1.92%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 49.6% · 21.2% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (65 → 58), mostly because the loan quality component weakened by 31 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202457
Q4 202466
Q1 202563
Q2 202565
Q3 202568
Q4 202558
Q1 202665
Q2 202658
Tier 1 leverage ratio
5.00%7.19%9.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.65%
Q3 20248.87%
Q4 20248.96%
Q1 20259.07%
Q2 20259.08%
Q3 20259.26%
Q4 20259.25%
Q1 20269.39%
Q2 20268.93%
Noncurrent loans
0.88%1.41%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.82%
Q3 20241.76%
Q4 20240.88%
Q1 20251.04%
Q2 20250.99%
Q3 20251.00%
Q4 20251.93%
Q1 20261.33%
Q2 20261.92%
Return on assets
1.08%1.28%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.25%
Q4 20241.30%
Q1 20251.08%
Q2 20251.22%
Q3 20251.31%
Q4 20251.29%
Q1 20261.48%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$722.8M8.93%1.92%1.43%49.6%
Q1 202665$740.2M9.39%1.33%1.48%50.7%
Q4 202558$655.6M9.25%1.93%1.29%51.4%
Q3 202568$646.8M9.26%1.00%1.31%51.6%
Q2 202565$632.8M9.08%0.99%1.22%51.8%
Q1 202563$637.9M9.07%1.04%1.08%49.8%
Q4 202466$623.8M8.96%0.88%1.30%52.2%
Q3 202457$608.6M8.87%1.76%1.25%50.4%
Q2 202456$608.7M8.65%1.82%1.20%52.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.93%
11th
Total risk-based capital14.26%
64th
Problem loans1.92%
13th
Net charge-offs0.22%
11th
Return on assets1.43%
61st
Net interest margin3.46%
26th
Efficiency ratio53.2%
76th
Loans to deposits49.6%
92nd
Uninsured deposits21.2%
60th
Loan-loss reserves1.95%
93rd
Texas ratio10.8%
16th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Albank National AssociationBank Chicago, IL70 out of 100, Strong$721.8M17.0%1.13%vs
Hickory Point Bank and TrustBank Decatur, IL77 out of 100, Strong$717.5M11.0%0.18%vs
Prospect BankBank Paris, IL57 out of 100, Moderate$715.6M8.5%0.45%vs
Longview BankBank Ogden, IL62 out of 100, Moderate$732.1M8.4%0.80%vs
Time BankBank Park Ridge, IL70 out of 100, Strong$712.8M11.9%1.75%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs

Deposit insurance

Is my money safe at The Bradford National Bank of Greenville?

Yes. The Bradford National Bank of Greenville is an FDIC-insured institution (FDIC certificate #3799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($127.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.26% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

The Bradford National Bank of Greenville lists 9 offices in 8 cities. Most locations:

  • Greenville, IL (2)
  • Breese, IL (1)
  • Centralia, IL (1)
  • Highland, IL (1)
  • Irvington, IL (1)
  • Marine, IL (1)
  • Nashville, IL (1)
  • Saint Jacob, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Bradford National Bank of Greenville reported 195 home-loan applications under HMDA (LEI 549300BK51FTOVBDMC15): 156 originated ($34,990,000 total), 10 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Bradford National Bank of Greenville
Type
National bank
FDIC certificate #
3799
RSSD ID
720746
Primary regulator
OCC
Holding company
Bradford Bcorp Inc
Established
January 1, 1867
Headquarters
100 E College Ave, Greenville, IL 62246
Employees
86

Quick answers

The Bradford National Bank of Greenville: common questions

Is The Bradford National Bank of Greenville FDIC insured?

Yes. The Bradford National Bank of Greenville is an FDIC-insured institution (FDIC certificate #3799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bradford National Bank of Greenville's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Bradford National Bank of Greenville ever failed?

There is no failure record for FDIC certificate #3799 in the FDIC failed bank list.

How many branches does The Bradford National Bank of Greenville have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenville

InstitutionScoreAssetsCapitalProblem loansCompare
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Taylorville Community Credit UnionCredit union Taylorville, IL77 out of 100, Strong$90.8M12.6%0.87%vs
First Community Bank of HillsboroBank Hillsboro, IL77 out of 100, Strong$133.3M11.6%0.10%vs
The First National Bank of LitchfieldBank Litchfield, IL77 out of 100, Strong$150.4M11.5%0.13%vs