BYRON BANK

BYRON, IL | Small | Est. July 1, 1932, midnight | FDIC #902 | RSSD #325534 | FDIC
Latest Report: 2025-12-31

BYRON BANK is asn small FDIC-insured commercial bank headquartered in BYRON, IL, established in July 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $360M and total deposits of $324M. Profitability stands at 1.30% ROA and 16.21% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 8.13%. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 5.67%. FDIC Certificate #902.

Assets

$360M

Deposits

$324M

Loans

$247M

Equity

$30M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 16.21%
Net Interest Margin (NIM) 3.49%
Yield on Assets 5.83%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.09%
Texas Ratio 5.67%
NPA Ratio 0.51%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 8.13%
Tier 1 Capital 8.13%
Total Capital Ratio 8.54%
Leverage Ratio 9.37%
Loan-to-Deposit 76.42%

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