BanksBYRON BANK

BYRON BANK

BYRON, ILSmallEst. July 1, 1932, midnightFDIC #902RSSD #325534FDIC
Latest · 2025-12-31

BYRON BANK is an 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%. CET1 capital ratio: 8.13%. NPL ratio: 0.74% · Texas Ratio: 5.67%. Operates 3 domestic branches.

Assets
$360M
Deposits
$324M
Loans
$247M
Equity
$30M

Profitability

Return on Assets (ROA)1.30%
Return on Equity (ROE)16.21%
Net Interest Margin3.49%
Yield on Assets5.83%
Cost of Funds2.37%

Asset Quality

NPL Ratio0.74%
Net Charge-Off Ratio0.09%
Texas Ratio5.67%
NPA Ratio0.51%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio8.13%
Tier 1 Capital8.13%
Total Capital Ratio8.54%
Leverage Ratio9.37%
Loan-to-Deposit76.42%

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