Byron Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.80 percentage points in Q2 2026, from 198.14% to 192.34%. It was the largest change from Q1 2026 among the key lines here. Byron Bank ranks 164th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 75.31% (Q2 2026). Byron Bank reported 75.31% on loan-to-deposit ratio for Q2 2026, 5.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.6M |
| Net loans and leases | $252.1M |
| Loans held for sale | $886K |
| Loans to total assets | 66.24% |
| Loan-to-deposit ratio | 75.31% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.15% |
| Multifamily (5+ residential) | 9.82% |
| Commercial and industrial | 10.05% |
| Consumer | 1.79% |
| Credit cards | 0.00% |
| Farm | 1.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 192.34% |
| Construction concentration (Tier 1 capital + allowance) | 14.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.57% |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $218.9M | $319.5M | 38.00% | 11.72% | 3.39% |
| Q4 2023 | $216.0M | $316.8M | 36.71% | 12.77% | 3.32% |
| Q1 2024 | $220.1M | $314.7M | 35.65% | 12.23% | 3.05% |
| Q2 2024 | $227.1M | $328.8M | 36.68% | 11.12% | 2.99% |
| Q3 2024 | $233.1M | $334.8M | 37.30% | 10.44% | 2.38% |
| Q4 2024 | $232.5M | $333.3M | 35.76% | 11.02% | 2.16% |
| Q1 2025 | $228.5M | $332.0M | 36.48% | 10.73% | 2.19% |
| Q2 2025 | $239.2M | $332.8M | 36.51% | 11.39% | 2.07% |
| Q3 2025 | $241.6M | $335.5M | 34.89% | 10.92% | 2.03% |
| Q4 2025 | $247.5M | $323.9M | 35.84% | 10.40% | 1.95% |
| Q1 2026 | $251.9M | $332.7M | 37.82% | 10.38% | 1.87% |
| Q2 2026 | $254.6M | $338.1M | 37.15% | 10.05% | 1.79% |
Byron Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Byron Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Byron Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 902) · FFIEC NIC profile (RSSD 325534)