BlastPoint's Banking Scorecard

Byron Bank

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

Byron, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in 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 5.1% in tier
+ Revenue Diversifier: Top 5.6% in tier
+ Efficiency Ratio 16.44% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.6% in tier
- Net Interest Margin 0.52% below tier average
- Delinquency Rate 0.23% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$368.0M +1.2% YoY +2.2% QoQ	-$18.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$249.3M +10.3% YoY +1.8% QoQ	-$6.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$332.7M +0.2% YoY +2.7% QoQ	+$4.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	2.49% +194.2% YoY +112.1% QoQ	+1.22%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 4.8% in tier
Net Interest Margin ?	3.41% +19.8% YoY +9.9% QoQ	-0.52%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	48.84% -33.4% YoY -26.5% QoQ	-16.44%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 14.1% in tier
Delinquency Rate ?	1.12% +50.6% YoY +50.3% QoQ	+0.23%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	74.95% +10.1% YoY -0.9% QoQ	-1.69%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	18.13% -3.8% YoY -0.3% QoQ	-3.89%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.76% +64.1% YoY +49.7% QoQ	+0.12%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	10.14% -0.2% YoY +8.2% QoQ	-5.69%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 11.3% in tier
Non-Interest Income / Assets ?	0.45% +129.1% YoY -47.1% QoQ	+0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 3.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#35 of 666 • Top 5.1% in tier

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

Why this signature

Return on Assets: 2.49%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#38 of 666 • Top 5.6% 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: 0.45%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.49%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#105 of 666 • Bottom 15.6% 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: 10.14%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

106

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.28%

#106 of 2664 Top 3.9% in $100M-$1B

128

Return on Assets

profitability

Value: 2.49%

Peer Median: 1.27%

#128 of 2664 Top 4.8% in $100M-$1B

376

Efficiency Ratio

profitability

Value: 48.84%

Peer Median: 65.29%

#376 of 2664 Top 14.1% in $100M-$1B

Top Weaknesses (1 metrics)

2363

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.83%

#2363 of 2664 Bottom 11.3% in $100M-$1B