Byron Bank
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Data as of · sourced from FFIEC call reports. How we update
Byron Bank is an FDIC-insured commercial bank headquartered in Byron, IL, established in 1932 (FDIC certificate 902), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $384.4M, up 3.7% from Q2 2025, the 125th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 902
- Headquarters
- Byron, IL
- Established
- 1932
- Total assets, Q2 2026
- $384.4M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.23%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071908908
- Holding company
- BYRON BANCSHARES, INC.
- Asset rank in state
- 125th of 319 in Illinois
Byron Bank is one of the more profitable banks of its size. Based in Byron, Illinois, it had $384 million in assets at June 30, 2026, up 3.7% from a year earlier. It returns 19.8% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 3.5 times the median of 2.6% for banks its size.
The commercial and industrial book ($26 million) is worsening: 4.28% of it is past due or on nonaccrual, up from 0.84% a year earlier. The non-owner-occupied commercial real estate book ($47 million) is worsening: 4.75% of it is past due or on nonaccrual, up from 1.53% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 1.05% a year earlier.
As of June 30, 2026, Byron Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 9.38%. The figures come from its call report filed with the FFIEC.
Byron Bank ranks as the 125th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $384.4M, loans rose 1.1% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.0% of total loans, ahead of owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 3 offices for it, in Byron, IL, Poplar Grove, IL and Davis Junction, IL; its Byron office books 65% of its branch deposits. On its Q2 2026 call report, Byron Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Walnut St, Byron, IL 61010
- County
- Ogle
- Metro Area
- Rochelle, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1932
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $338.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $372.2M
- Average total loans
- $255.3M
- Average interest-bearing deposits
- $264.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 902
- Fed RSSD
- 325534
- Website
- www.byronbank.com →
- Parent Holding Company
- BYRON BANCSHARES, INC. (RSSD 1203107)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Byron Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Byron Bank's total assets moved between a low of $342.4M (Q1 2024) and a high of $384.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.4M total assets against $370.7M; $352.4M total liabilities against $341.3M.
$252.1M net loans and leases against $236.9M; $338.1M total deposits against $332.8M.
$99.4M securities against $106.8M; $26.7M cash and balances due against $21.1M.
$5.0M total interest income against $4.7M; $1.7M total interest expense against $1.9M.
$3.2M net interest income against $2.8M.
$575K total noninterest income against $718K; $2.1M total noninterest expense against $2.2M.
$60K provision for credit losses against $60K.
$1.6M net income against $1.2M.
1.69% return on assets against 1.34%; 3.64% net interest margin against 3.17%.
10.23% tier 1 leverage ratio against 10.36%.
Inside the full Byron Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeByron Bank rankings
Its closest position to the top of a national ranking is 694 of 3,640, for Texas Ratio; its furthest is 2,116 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 2.47% (Q1 2026) and its net interest margin ran from 2.48% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.23% | 1.69% | 1.28% | 9.38% | 3.64% |
| Q1 2026 | 10.14% | 2.47% | 1.11% | 8.22% | 3.45% |
| Q4 2025 | 9.37% | 1.26% | 0.74% | 5.67% | 3.27% |
| Q3 2025 | 9.41% | 1.19% | 0.79% | 6.33% | 3.17% |
| Q2 2025 | 10.36% | 1.34% | 1.05% | 8.16% | 3.17% |
| Q1 2025 | 10.16% | 0.84% | 0.74% | 5.36% | 2.88% |
| Q4 2024 | 9.93% | 0.57% | 0.66% | 5.21% | 2.70% |
| Q3 2024 | 10.09% | 0.44% | 0.55% | 4.22% | 2.48% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Byron Bank (main office) | Byron , IL | 61010 | $218.8M |
| Poplar Grove Branch | Poplar Grove , IL | 61065 | $93.8M |
| Davis Junction Branch | Davis Junction , IL | 61020 | $25.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 143 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 170 applications, 140 loans originated, $32.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $22K approved, $22K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Byron Bank
What are Byron Bank's total assets?
As of the Q2 2026 filing, Byron Bank reported total assets of $384.4 million in its FFIEC call report.
Where is Byron Bank headquartered?
It is headquartered in Byron, IL, United States.
When was Byron Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Byron Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Byron Bank?
Byron Bank's primary federal regulator is the FDIC.
How many branches does Byron Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Byron Bank's Texas Ratio?
Its Texas Ratio is 9.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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