BlastPoint's Banking Scorecard
The Bradford National Bank of Greenville
Community
Specialty: Other
IL
FDIC cert 3799
Greenville, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
The Bradford National Bank of Greenville shows strong momentum with 1 strength and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.62% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$655.6M
+5.1% YoY
+1.4% QoQ
|
-$735.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$276.6M
+2.9% YoY
-0.6% QoQ
|
-$698.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$537.7M
+4.4% YoY
-0.4% QoQ
|
-$626.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.29%
-0.9% YoY
-2.1% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.27%
+0.3% YoY
+0.6% QoQ
|
-0.39% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
55.73%
+2.2% YoY
-2.5% QoQ
|
-6.90% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
1.97%
+120.1% YoY
+93.7% QoQ
|
+1.34% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
51.44%
-1.4% YoY
-0.3% QoQ
|
-31.62% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.15%
+22.3% YoY
+2.1% QoQ
|
+8.10% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.83%
+108.5% YoY
+89.9% QoQ
|
+0.33% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
12.44%
+2.6% YoY
+0.2% QoQ
|
+2.20% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
+13.0% YoY
+31.8% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
51.44%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.44% · Tier avg: 83.06%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.15% · Tier avg: 21.05%
71
71th pctile
Efficiency Ratio
Current: 55.73% · Tier avg: 62.63%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
22
22th pctile
Total Assets
Current: $655.6M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $537.7M · Tier avg: $1.2B
11
11th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
4
4th pctile
Total Loans
Current: $276.6M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $276.6M · Tier avg: $975.5M
11
11th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
19
19th pctile
Total Deposits
Current: $537.7M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $655.6M · Tier avg: $1.4B
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
71
71th pctile
Efficiency Ratio
Current: 55.73% · Tier avg: 62.63%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.15% · Tier avg: 21.05%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.44% · Tier avg: 83.06%