# BYRON STATE BANK
BYRON, NE · FDIC certificate 22350 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $43.6M | |
| Deposits | $36.5M | |
| Loans and leases | $37.0M | |
| Total equity | $5.8M | |
| Loans / deposits | 100.20% (p90 of band) | 75.51% |
| Liquid assets / assets | 14.59% (p13 of band) | |
| Uninsured deposits / deposits | 6.00% (p12 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.03% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.25% (p76 of band) | 10.91% |
| Unrealized securities loss / equity | 0.00% (p42 of band) | 0.10% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 1.14% (p68 of band) | 0.87% |
| Net interest margin | 3.50% (p40 of band) | 3.67% |
| Efficiency ratio | 45.19% (p4 of band) | |
| Noncurrent loans | 1.55% (p76 of band) | 0.61% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 73.52% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $752,000 (2.03% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 4 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 0 |  | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 2 | loans exceed deposits, reserve under noncurrent | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-25 [Blackhawk Bank & Trust branch marries past to present, future - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNXNrS1BaZzMtTHBFd2lJRXVMZzI4Wnk5c2JobXNtN21pMFprYjROZkZiRWNOUS1WdVNqcHFzQWphc1RkLXlyMWNmb2UzbkY1S2FpWHB2Ni1fUHJoZlFpRElWaTk5a1Npa2tuSXJpcDdyU3BHQjFHa3B3dzRPZXZYRmZtNEwzMWdVZy1pOUIweDNmVUFD?oc=5) · Quad Cities Business Journal
- 2023-05-23 [Blackhawk Bank & Trust to hold ribbon cutting for new Port Byron building - KWQC](https://news.google.com/rss/articles/CBMingFBVV95cUxNYUxZdlRwVmFoaG1JVlEwSURhWTRUWTdyTzFKQnlLRlEyT2JIclNrM3ZWV2o2Slg1MjlkTzBzLVBSZE55Y183RzZCN1RDbktJX2NnZFJrVkkybjVEU0Z4MEpybnZwV1hfLTRLYmFCdFFsVkpPX0lOc096Z2c2bkM1bHRnalVvYUNTNk5wNDQ2Z0FGSlJMUlBDUkRPZklPZ9IBsgFBVV95cUxPc2phOFBNejJWT0Nlc1VmTk9FbWFqUlp4cWhycEtXSk1ZMXRiekw0QzJmd0pMa21CNHpzQmQySzAzbHp5ejl6bTZ2N0wwazhtWXdtYzBvR0p6WXhnY2N3alR1YUZmdDdNTFFqQzJUb2k1SzZrYnJJSVZlcGZYVlBaQUJOcDhxNHRrS2NHN1Y4SjVRRnVGUUlRdmZXai1mY1NIYVdaVkdJZjU4TUxrX3pLTlJn?oc=5) · KWQC
- 2019-03-25 [Joyce Firth Obituary Mar 25, 2019 - Esterdahl Mortuary and Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE83cjFuQ2RzX0gtVFJUVVhYTUNjYnVJcHJ4N2FuZ3BJTF9QN3FnaDZfQXRPQmE1UXJIc2F3X0J4b3RiaXBDYTZkc013S0FkUXkzMEtiWGFOMVd4WnpM?oc=5) · Esterdahl Mortuary and Crematory
- 2014-03-17 [Doris E. Fiegel Obituary Mar 17, 2014 - Ranfranz and Vine Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFBkOUFWNWZYV29oajB4ZGpxVmMzTUxuSnI2dU5OTEZEeEFVNEVzUWZjOGt4NVpyRzlpczBvaTFjbjhqbnJDNkhFclB3OFFPa29zYUd6ODN0NTY1VGxXck1HNmtucTBwUHlzeURJ?oc=5) · Ranfranz and Vine Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22350 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "22350", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide