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Byron Bank

$100M-$1B Specialty: Commercial IL FDIC cert 902

Byron, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.6% year over year ($338.1M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 2.07%.
  • Efficiency ratio 51.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Byron Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 8.9% in tier
  • + Revenue Diversifier: Top 18.8% in tier
  • + Efficiency Ratio 12.77% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 33.8% in tier
  • - Capital Thin: Bottom 35.7% in tier
  • - Net Interest Margin 0.52% below tier average
Get updates when Byron Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $384.4M
+3.7% YoY +4.5% QoQ
-$2.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $252.1M
+6.4% YoY +1.1% QoQ
-$6.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $338.1M
+1.6% YoY +1.6% QoQ
+$11.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 2.07%
+89.5% YoY -16.9% QoQ
+0.75% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 11.7% in tier
Net Interest Margin ? 3.47%
+16.3% YoY +1.7% QoQ
-0.52% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 51.71%
-23.3% YoY +5.9% QoQ
-12.77% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 1.29%
+21.1% YoY +14.8% QoQ
+0.37% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 74.55%
+4.7% YoY -0.5% QoQ
-3.40% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 15.47%
-6.1% YoY -14.7% QoQ
-6.56% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.84%
+20.9% YoY +11.1% QoQ
+0.18% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 10.23%
-1.3% YoY +0.9% QoQ
-5.68% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 13.2% in tier
Non-Interest Income / Assets ? 0.58%
+49.9% YoY +29.3% QoQ
+0.01% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 7.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 15.5%
-1.0pp YoY
-2.7pp QoQ
 -6.7pp 22.1% 20.1% 22.2% 26%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.2%
-1.3pp YoY
-0.3pp QoQ
 -1.4pp 11.6% 14.7% 12.5% 53%
CRE 49.9%
+0.8pp YoY
-0.9pp QoQ
 +10.3pp 39.5% 37.9% 41.4% 70%
1-4 Family 33.3%
+0.7pp YoY
+1.4pp QoQ
 +0.7pp 32.6% 28.3% 31.3% 58%
Consumer 1.8%
-0.3pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 5.4% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 10.2%
-0.1pp YoY
+0.1pp QoQ
 -1.9pp 12.2% 12.2% 12.6% 36%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 54
-7 (-11.5%) YoY
-4 (-6.9%) QoQ
 -5 58 228 482 57%
Assets per Employee ($) $7.1M
+17.1% YoY
+12.2% QoQ
 -$399K $7.5M $8.3M $8.8M 54%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.3%
+0.2pp YoY
+0.2pp QoQ
 +0.4pp 0.9% 1.1% 1.0% 78%
Allowance Coverage 0.80x
-13.6% YoY
-12.0% QoQ
 -23.36x 24.15x 5.62x 20.23x 20%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 24.7%
+10.6pp YoY
-4.9pp QoQ
 +12.5pp 12.2% 10.5% 11.6% 96%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 65%
Net Income ($, YTD) $3.8M
+92.1% YoY
— QoQ
 +$1.3M $2.6M $11.7M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#60 of 661 • Top 8.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.07%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#125 of 661 • Top 18.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.07%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#317 of 936 • Bottom 33.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#237 of 661 • Bottom 35.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.23%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

193
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#193 of 2643 Top 7.3% in $100M-$1B
311
Return on Assets
profitability
Value: 2.07%
Peer Median: 1.32%
#311 of 2643 Top 11.7% in $100M-$1B
538
Efficiency Ratio
profitability
Value: 51.71%
Peer Median: 64.48%
#538 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (3 metrics)

2294
Tier 1 Capital Ratio
capital
Value: 10.23%
Peer Median: 15.91%
#2294 of 2643 Bottom 13.2% in $100M-$1B
2043
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2043 of 2633 Bottom 22.4% in $100M-$1B
1990
Nonperforming Asset Ratio
credit_quality
Value: 0.84%
Peer Median: 0.67%
#1990 of 2643 Bottom 24.7% in $100M-$1B
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