Byron Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.79 percentage points lower than in Q1 2026, at 76.09%. Within Illinois, Byron Bank is 63rd of 323 on return on assets, 1.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Byron Bank sits 0.44 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 8.34% |
| Tangible equity to tangible assets | 8.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 9.81% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 76.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 19.77% |
| Net interest margin | 3.64% |
| Efficiency ratio | 53.82% |
| Yield on earning assets | 5.53% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.31% |
| Core deposits to total deposits | 89.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.96% |
| Securities to assets | 25.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.14% | 0.86% | 2.84% | 1.34% | 0.02% |
| Q4 2023 | 10.00% | -0.05% | 2.27% | 1.25% | 0.00% |
| Q1 2024 | 10.29% | 0.32% | 2.41% | 1.38% | 0.01% |
| Q2 2024 | 10.36% | 0.63% | 2.48% | 1.23% | 0.20% |
| Q3 2024 | 10.09% | 0.44% | 2.48% | 0.60% | -0.05% |
| Q4 2024 | 9.93% | 0.57% | 2.70% | 0.70% | 0.10% |
| Q1 2025 | 10.16% | 0.84% | 2.88% | 0.78% | -0.03% |
| Q2 2025 | 10.36% | 1.34% | 3.17% | 1.09% | 0.46% |
| Q3 2025 | 9.41% | 1.19% | 3.17% | 0.83% | -0.07% |
| Q4 2025 | 9.37% | 1.26% | 3.27% | 0.77% | 0.01% |
| Q1 2026 | 10.14% | 2.47% | 3.45% | 1.17% | 0.01% |
| Q2 2026 | 10.23% | 1.69% | 3.64% | 1.33% | 0.01% |
Byron Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Byron Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)