The Bradford National Bank of Greenville
Greenville, Illinois, Bond County
$723M in total assets, the 1,376th largest of 4,309 US banks and 73rd of 328 headquartered in Illinois.
- FDIC certificate
- 3799
- Established
- 1867
- Owned by
- Bradford Bcorp Inc
- Primary regulator
- OCC
- Website
- www.bradfordbank.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $723M | 92% | $286M | |
| Loans | $305M | 78% | $174M | |
| Deposits | $602M | 90% | $237M | |
| Return on assets | 1.39% | 70% | 1.12% | |
| Net interest margin | 3.46% | 39% | 3.70% | |
| Efficiency ratio | 53.2% | 20% | 64.2% | |
| Equity to assets | 9.29% | 28% | 10.44% | |
| Loans to deposits | 51% | 8% | 76% |
Growth
Total assets grew 9.3% a year over the last 5 years and 10.1% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | State Bank of St. Jacob Saint Jacob, IL | $88M |
| Jan 2023 | Community Trust Bank Irvington, IL | $107M |
Where they operate
10 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bond County, IL | $281M | 62.8% | 1 of 5 |
| Madison County, IL | $214M | 3.2% | 9 of 23 |
| Washington County, IL | $64M | 11.1% | 4 of 8 |
| Marion County, IL | $39M | 3.7% | 10 of 12 |
| Clinton County, IL | $4M | 0.3% | 13 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (4 to 10, +150.0%). 1 opened, 5 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2023 | Acquired Community Trust Bank | 3 | 0 | +3 | 7 |
| 2025 | Opened Breese | 1 | 0 | +1 | 8 |
| 2026 through Q2 | Acquired State Bank of St. Jacob | 2 | 0 | +2 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 28% | 23% | |
| 1-4 family residential | 27% | 30% | |
| Farmland | 11% | 13% | |
| Business (C&I) | 10% | 12% | |
| Consumer | 9% | 4% | |
| Construction and land | 6% | 4% | |
| Agricultural | 5% | 7% | |
| Multifamily | 3% | 6% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 47% | |
| Noninterest-bearing | 31% | 19% | |
| Time deposits | 30% | 35% |
Brokered deposits are 1.8% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.92% | 0.50% |
| Net charge-offs, annualized | 0.22% | 0.01% |
| Reserves to loans | 1.95% | 1.14% |
| Leverage ratio | 8.93% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Bond County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bradford