🏦Bank Scorer

THE BRADFORD NATIONAL BANK OF GREENVILLE

GREENVILLE, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1867FDIC #3,799
Outstanding Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.48%

Institution Profile

FDIC BankFind

Address

100 E College Ave, GREENVILLE, IL

County

Bond County

Established

January 1, 1867

Total Assets

$740M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 23, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$740M

Total Deposits

$617M

Net Loans

$313M

Net Income

$3M

ROA

1.48%

ROE

16.67%

Risk-Based Capital

13.69%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.91%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$530M

1-Year Change

+1

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416384.66%4.91%
202317787.57%4.52%
202223177.92%9.09%
202138886.34%6.70%
202048983.64%7.98%
201920580.98%9.27%
201814172.34%14.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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