Bank Comparison
Byron Bank vs First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Byron Bank | First National Bank |
|---|---|---|
| CET1 Ratio | — | 18.60% |
| Tier 1 Capital Ratio | — | 18.60% |
| Total Capital Ratio | — | 19.87% |
| Tier 1 Leverage Ratio | 10.14% | 10.79% |
| Equity / Assets | 8.56% | 9.12% |
Profitability
| Metric | Byron Bank | First National Bank |
|---|---|---|
| Return on Assets (ROA) | 2.47% | 1.87% |
| Return on Equity (ROE) | 29.58% | 20.55% |
| Net Interest Margin (NIM) | 3.45% | 4.39% |
| Yield on Earning Assets | 5.33% | 6.13% |
| Cost of Funds | 2.06% | 1.90% |
Asset quality
| Metric | Byron Bank | First National Bank |
|---|---|---|
| Texas Ratio | 8.66% | 1.03% |
| Non-Performing Loan Ratio | 1.17% | 0.18% |
| Non-Performing Asset Ratio | 0.80% | 0.11% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 1.00% | 2.69% |
Balance sheet
| Metric | Byron Bank | First National Bank |
|---|---|---|
| Total Assets | $367,957K | $367,909K |
| Total Deposits | $332,660K | $329,938K |
| Total Loans | $251,866K | $226,471K |
| Total Equity | $31,499K | $33,565K |
| Net Income (quarter) | $2,265K | $1,733K |
Liquidity & funding
| Metric | Byron Bank | First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.71% | 68.64% |
| Core Deposit Ratio | 89.36% | 82.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Byron Bank | First National Bank |
|---|---|---|
| Headquarters City | BYRON | ONEIDA |
| Headquarters State | IL | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 8039 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 58 | 52 |
| Established | July 1, 1932, midnight | Jan. 1, 1904, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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