# BYRON BANK
BYRON, IL · FDIC certificate 902 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $384.4M | |
| Deposits | $338.1M | |
| Loans and leases | $254.6M | |
| Total equity | $32.0M | |
| Loans / deposits | 74.55% (p34 of band) | 82.04% |
| Liquid assets / assets | 32.79% (p71 of band) | |
| Uninsured deposits / deposits | 25.29% (p47 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p49 of band) | |
| FHLB advances / assets | 2.60% | |
| Tier 1 leverage | 10.23% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -18.79% (p24 of band) | -8.10% |
| AOCI / equity | -1.35% (p15 of band) | |
| ROA (annualized) | 2.07% (p88 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 51.71% (p22 of band) | |
| Noncurrent loans | 1.28% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 79.58% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 18.90% (p24 of band) | |
| Auto loans | $2.0M (0.77% of loans; DQ 2.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 0 |  | reserve under noncurrent, capital falling |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2020-09 | 3 | capital falling | charge-offs p90 |
| 2020-12 | 0 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | expense ratio p90, NIM <2.5%, reserve under noncurrent | capital falling |
| 2024-06 | 3 |  | expense ratio p90 |
| 2024-09 | 1 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-12 | 3 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 0 |  | NIM <2.5%, capital falling, securities losses >30% of equity |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | reserve under noncurrent | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-05-25 [Byron Bank to celebrate 60 years of family owned community banking with June 26 event - Shaw Local](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQd0pUclF6S1ZGempGRklkQk1jekcyeF9ENFVlME5VLXI0WTd4M1Y4bnlDS0hPTnl3Yk04YXl1bkNET242TU1BaUFVaVFGaWJ6dzh3X3RwaktadC0wTzBYVFN6WVU0cXBvaU4xYk5XSE5oS09QV2p4ZjlySXVYRTFhYnJNanh5SW52UmhUZjd5VWM4YVE2SzBlNXlUdllUZGRxZTBFXzJ3bXN3TzhWRGZhUW1aSjdRTTZOeFlpM3hUOHhTZ2VOMHF1aDZNNGp6R1p2VzRXWTlsZw?oc=5) · Shaw Local
- 2026-07-10 [Byron Bank launches annual Stuff-A-Bus school supply drive - Shaw Local](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMjl5LXFrQnZXRFlRVld4eENMSGhRWHV2aHI1ZllRcGZaSEYzZ1BRc1VRVVhCQnZsNVBnNDhKUW5UUkdFbVJwXzRka3lDV3ViTGlra1AxT0NJeHRrMS13YzlwRUNrNG5oTjFlNmxOYnd3dW5xcDJZRE5VNGNYYkpLZllETlFSc3g0ZWN1V09zZWRjNnA1blFBaTZQU0ZFUXhtaXFKbUlheHhuVU0yRFRaSkV4dw?oc=5) · Shaw Local
- 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
- 2017-07-06 [John R. Kuss Obituary July 6, 2017 - Fitzgerald Funeral Home & Crematory LTD.](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5hQXV5THo4X1ZlWTJJcW9CTmRWOFIxbTJ0RkVJZXVFVldHYVJLVXFBUjdBYWllOXVnamRUTDY3ZXZ1b1pIVllZcm8yTG9RUks5b0xGOW5EQ0s3VmxSRjFHYg?oc=5) · Fitzgerald Funeral Home &amp; Crematory LTD.
- 2014-02-12 [James Orr Obituary Feb 12, 2014 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFB6THhEVHlkalpXcFB2Zms3LXZ1dXBuUkFycmEzSTVVM21xQ200SGJjNHA0TE5NQ3d1cVNFWmc3Z0tRcGNkNnBEY1Y2dUJINF9TUXI2clRZWkU0cGh1TEdjVWhqNHpfYUE?oc=5) · Cress Funeral and Cremation Services
- 2023-10-13 [Bradley Allen Ingram Obituary (2023) - Byron, IL - Farrell-Holland-Gale Funeral Home - Byron - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNY1E3UE1DWnNRV3JtVmtLVDJ1OXVOMmtoWHVMcUhac0w0NTZNV1hyV1hfZERLaW1UTG0xVFdrdFdwSzRURWFlUFJMNWhvNkN6UmlqS3h2UGhYdDVVNWVycHd3aEk3NG4xTnZwRnRWUWNhY1U3Q1pXb0tRa2FmQTFyMng4OA?oc=5) · legacy.com
- 2024-02-22 [Janet "Jan" L. Riley Obituary (2024) - Byron, IL - Farrell-Holland-Gale Funeral Home - Byron - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQzhoUHZwdVA2cTlDOUhraE81eU1Db2Fpc25pdWF1M01mQUtGSjdiMjFtRWxqYlBJN01XRFdsNVBZUTJlMWxkVXBKTl9qUmJoc3RpaXhwVHc2Ykp4Uk9IczZ1RjJUaVNnTmp6cUFxUlpDREcyWURTSFZGems4R1dtUjZfTXc?oc=5) · legacy.com
- 2014-11-18 [Chicago man indicted on charges in Huntley bank robbery, two others - Shaw Local](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTE45Tkt1aHlfNXZ3NEtIVEJNZGhucHpVQUlOYk1sOFBwSXpQbXdqT1NNQlZiY0FJZDNfQlRIVDFZd193dFR3RjF0OG56MFU5SFlwRU1FRXZBdEpDYU80d3RSQzBOTmlqZ2VobmVMVkpjWUVzSERWUXJpU3YtQTB5N1h2Skp1bW1WNUJuTEthelYxbC1waktSbDZmUWVJdUYtUlk2amNXU2dOZ19xVDZITGZB?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=902 (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/6.json (key "902", 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