The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (65 → 69), mostly because the earnings component improved by 36 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Illinois

Yes. Byron Bank is an FDIC-insured institution (FDIC certificate #902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($85.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Byron Bank lists 3 offices in 3 cities. Most locations:

• Byron, IL (1)
• Davis Junction, IL (1)
• Poplar Grove, IL (1)

All branch addresses and map

In 2025, Byron Bank reported 170 home-loan applications under HMDA (LEI 254900KE9OJJUH139Q12): 140 originated ($32,910,000 total), 14 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Byron Bank

Former names

Rock River Community Bank; First National Bank of Byron

Type

State-chartered bank

FDIC certificate #

902

RSSD ID

325534

Primary regulator

FDIC

Holding company

Byron Bancshares Inc

Established

July 1, 1932

Headquarters

200 N Walnut St, Byron, IL 61010

Website

www.byronbank.com

Employees

54