Byron Bank
Byron, IL
IDRSSD: 325534
Total Assets
$371.43M
Latest filing
Total Deposits
$335.53M
Latest filing
Net Interest Margin
3.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Byron Bank
200 N Walnut St
Byron, IL 61010
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1932FDIC Certificate 580
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Byron Bank (Main) | 200 N Walnut St | Byron, IL |
| POPLAR GROVE BRANCH | 11159 Highway 76 | Poplar Grove, IL |
| MESSENGER SERVICE | 200 N Walnut St | Byron, IL |
| DAVIS JUNCTION BRANCH | 5653 N Junction Way | Davis Junction, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1932 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61010 |
| State and County Number | 17141 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Rochelle, IL |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.byronbank.com |
| Data Updated | 11/14/2025 |
| CERT | 902 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $371.43M |
| Total Deposits | $335.53M |
| Total Liabilities | $342.42M |
| Total Equity Capital | $29.01M |
| Net Income | $1.10M |
| Net Loans and Leases | $239.20M |
| Assets Per Employee ($Millions) | $6.09M |
| Bank Premises and Fixed Assets | $2.50M |
| Cash and Balances due from Depository Institutions | $18.86M |
| Deposits Held in Domestic Offices | $335.53M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 15.13% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 65.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.811% |
| Earning Assets to total Assets | 97.4% |
Income and Expense
| Total Interest Income | $4.83M |
| Total Noninterest Income | $796.00k |
| Total Interest Expense | $2.01M |
| Total Noninterest Expense | $2.37M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $1.19M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $70.00k |
| Other borrowed funds | $1.63M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.26M |
| Total Liabilities and Capital | $371.43M |
Securities
| Securities | $106.34M |
| Available-for-sale debt securities | $106.34M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Byron Bank?
$371.43M as of the latest filing.
How much are Byron Bank's total deposits?
$335.53M in total deposits.
Where is Byron Bank located?
Byron, IL.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
4.
When was it established?
07/01/1932.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$239.20M (latest filing).
What is the total interest income (latest filing)?
$4.83M.