The Bradford National Bank of Greenville

Headquarters

100 East College Avenue
Greenville, IL 62246
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 0.90% 1.15% →
2-Year CD 0.80% 1.26% →
5-Year CD 1.00% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Bradford National Bank of Greenville is an FDIC insured institution located in Greenville, IL. It was founded in 1867 and has approximately $0.39 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 3799
Date Established 1867
Assets $ 392.53 million
Loans $ 140.40 million
Deposits $ 304.92 million
Capital $ 46.00 million
 

For a more detailed analysis of The Bradford National Bank of Greenville's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 13, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $1 - Learn More
Money Market
0.25% $10,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.50% $10,000 - Learn More
6 Mo CD
0.55% $1,000 - Learn More
Special: 9 Mo CD
1.00% $1,000 - Learn More
12 Mo CD
0.90% $1,000 - Learn More
18 Mo CD
0.80% $1,000 - Learn More
24 Mo CD
0.80% $1,000 - Learn More
30 Mo CD
0.70% $1,000 - Learn More
36 Mo CD
0.75% $1,000 - Learn More
48 Mo CD
1.00% $1,000 - Learn More
60 Mo CD
1.00% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Special: 9 Mo FIRA
1.00% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - July 13, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The Bradford National Bank of Greenville

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to The Bradford National Bank of Greenville
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Branches

The Bradford National Bank of Greenville branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


The Bradford National Bank of Greenville Locations


Financial Details

The Bradford National Bank of Greenville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Bradford National Bank of Greenville. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Bradford National Bank of Greenville U.S. Bank Average
7.72% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, The Bradford National Bank of Greenville had $3,636,000 in non-current loans and $85,000 in owned real estate. To cover these potential losses it had $46,001,000 in equity and $2,177,000 in loans loss reserves. That gives it a Texas Ratio of 7.72%.

Return on Equity
The Bradford National Bank of Greenville U.S. Bank Average
9.81% 7.80%

The Bradford National Bank of Greenville has a Return on Equity of 9.81% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Bradford National Bank of Greenville U.S. Bank Average
11.72% 12.68%

The Bradford National Bank of Greenville has a Capitalization of 11.72% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Bradford National Bank of Greenville Balance Sheet Analysis

As of March 31, 2020, The Bradford National Bank of Greenville had assets of $392,528,000, loans of $140,397,000, and deposits of $304,922,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 27.59 million
Interest-bearing balances $ 3.75 million
Total securities $ 211.12 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 140.40 million
Loan loss allowance $ 2.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.09 million
Goodwill and other intangibles $ 0.45 million
All other assets $ 10.48 million
     Total Assets $ 346.53 million
LIABILITIES
Total deposits $ 304.92 million
      Interest-bearing deposits $ 240.65 million
      Deposits held in domestic offices $ 304.92 million
      % insured (estimated) 81.13%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 38.00 million
Subordinated debt N.A.
All other liabilities $ 3.61 million
      Total Liabilities $ 346.53 million
      Shareholders’ Equity $ 46.00 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.25 million
Total Interest Expense $ 0.69 million
Net interest income $ 2.56 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.46 million
Total non interest expense $ 1.81 million
Pre-tax Net Operating Income $ 1.18 million

Bank Loan Profile?

The top three loan types in The Bradford National Bank of Greenville’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, The Bradford National Bank of Greenville has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.30
Multifamily
Mortgages
2.14
Credit Card Loans 0.26
Consumer Auto Loans 1.43
Small Business Loans 0.00
Construction and Development Loans 7.91
Commercial Real Estate 25.35
Commercial and Industrial Loans 8.24
Farm Loans 5.49

Frequently Asked Questions About The Bradford National Bank Of Greenville

Branches and Savings

Is The Bradford National Bank Of Greenville FDIC insured?

Yes. It is covered under FDIC Certificate #3799.

Why does The Bradford National Bank Of Greenville pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Bradford National Bank Of Greenville CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Bradford National Bank Of Greenville a commercial bank?

Yes

Where are The Bradford National Bank Of Greenville locations?

See branch locations nearby.

Is The Bradford National Bank Of Greenville open on Saturdays?

Is The Bradford National Bank Of Greenville open on Sundays?

What time does The Bradford National Bank Of Greenville open?

What time does The Bradford National Bank Of Greenville close?

Are The Bradford National Bank Of Greenville ATMs Open 24/7?

Do The Bradford National Bank Of Greenville ATMs accept cash deposits?

Can The Bradford National Bank Of Greenville customers use other ATMs?

Do The Bradford National Bank Of Greenville branches have notaries?

Will The Bradford National Bank Of Greenville notarize my document?

What address for The Bradford National Bank Of Greenville should I put for incoming ACH transfers?

Will the The Bradford National Bank Of Greenville branch print checks?

Do The Bradford National Bank Of Greenville checks expire?

Does The Bradford National Bank Of Greenville require US citizenship to open account?

Can The Bradford National Bank Of Greenville close my account?

Does The Bradford National Bank Of Greenville Report to credit bureaus?

Does The Bradford National Bank Of Greenville Use Equifax?

What is The Bradford National Bank Of Greenville's ACH Routing Number?

What is The Bradford National Bank Of Greenville's SWIFT code?

Products

Does The Bradford National Bank Of Greenville offer mortgages?

Compare mortgage rates here.

Does The Bradford National Bank Of Greenville offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Bradford National Bank Of Greenville offer personal loans?

Compare personal loan rates here.

Does The Bradford National Bank Of Greenville offer student loans?

Will The Bradford National Bank Of Greenville cash a check?

Will The Bradford National Bank Of Greenville redeem a savings bond?

Does The Bradford National Bank Of Greenville cash savings bonds?

Will The Bradford National Bank Of Greenville cash money orders?

Can The Bradford National Bank Of Greenville issue a money order?

Does The Bradford National Bank Of Greenville do currency exchange?

Background on The Bank

Who owns The Bradford National Bank Of Greenville?

How long has The Bradford National Bank Of Greenville been around?

Can The Bradford National Bank Of Greenville transfer to other banks?

Does The Bradford National Bank Of Greenville have quick pay?

Does The Bradford National Bank Of Greenville accept rolled coins?

Will The Bradford National Bank Of Greenville accept loose change?

Where is The Bradford National Bank Of Greenville headquarters?

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