Total Assets
$656M
Total balance-sheet footings
FDIC Cert #3799 · Greenville, Illinois · Est. 1867
The Bradford National Bank of Greenville - FDIC Bank Health Profile
A community-scale look at The Bradford National Bank of Greenville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $656M
- Total assets
- A
- Health grade · Excellent
- 1.29%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Bradford National Bank of Greenville earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.44% Tier 1, profitable at 1.29% ROA, efficient (56% cost ratio).
- #1,455
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 12.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Bradford National Bank of Greenville's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bradford National Bank of Greenville's composite health score
Tier 1 Capital Ratio (12.44%) 35/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (8.49%) 16/20
Efficiency Ratio (55.73%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$538M
Customer-funded liabilities
Net Loans
$277M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bradford National Bank of Greenville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bradford National Bank of Greenville's score of 83/100 falls in the highlighted band.
The Bradford National Bank of Greenville's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bradford National Bank of Greenville's $656M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.44%
Texas Ratio
8.49%
Equity Capital
$59M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
15.00%
Efficiency Ratio
55.73%
What the numbers say about The Bradford National Bank of Greenville
The Bradford National Bank of Greenville is an FDIC-insured institution (Certificate #3799) headquartered in Greenville, Illinois, established in 1867. It holds $656M in total assets - 1,455th of 4,313 FDIC-insured banks, $538M in customer deposits, and $277M in net loans. Its capital position: a Tier 1 ratio of 12.44%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.49% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bradford National Bank of Greenville sits 79th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$33M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bradford National Bank of Greenville reports a Texas Ratio of 8.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bradford National Bank of Greenville (FDIC Cert #3799) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is The Bradford National Bank of Greenville's health grade?▼
The Bradford National Bank of Greenville receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bradford National Bank of Greenville?▼
The Bradford National Bank of Greenville holds $656M in total assets and $538M in deposits, ranking 1,455th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenville, Illinois.
Is my money safe at The Bradford National Bank of Greenville?▼
Yes, deposits at The Bradford National Bank of Greenville (Certificate #3799) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bradford National Bank of Greenville's Tier 1 Capital Ratio?▼
The Bradford National Bank of Greenville has a Tier 1 Capital Ratio of 12.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Bradford National Bank of Greenville?▼
The Bradford National Bank of Greenville has a Texas Ratio of 8.49%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bradford National Bank of Greenville?▼
The Bradford National Bank of Greenville has an Efficiency Ratio of 55.73%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bradford National Bank of Greenville's profile as a depositor or analyst.
- The Bradford National Bank of Greenville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bradford National Bank of Greenville against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.