Byron Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Byron Bank of Byron, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 19.77% | 13.31% | +6.46% | 86th top |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 53.82% | 61.14% | -7.32% | 72nd above |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 47th below |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 30th below |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.94% | +0.39% | 21st bottom |
| NPA / Total Assets | 0.88% | 0.70% | +0.18% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 28th below |
| ACL / NPLs (Coverage) | 76.09% | 1539.27% | -1463.18% | 20th bottom |
| Texas Ratio | 9.81% | 7.33% | +2.48% | 23rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 923.08% | 1395.76% | -472.68% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets | 8.34% | 11.38% | -3.04% | 17th bottom |
| TCE / Tangible Assets | 8.34% | 11.09% | -2.75% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.31% | 80.64% | -5.33% | 61st above |
| Core Deposit Ratio | 89.31% | 86.86% | +2.45% | 51st above |
| Wholesale Funding Ratio | 3.32% | 5.03% | -1.71% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.69% | 6.85% | -3.16% | 44th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.44% | 7.90% | -1.46% | 57th above |
| Deposit Growth (Y/Y) | 1.59% | 6.29% | -4.70% | 33rd below |
See Byron Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Byron Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Byron Bank profile, how to read a UBPR, or how this data updates.