Side-by-side · Q2 2026 data
Byron Bank vs Bank of O'Fallon
Metric by metric
| Measure | Byron Bank | Bank of O'Fallon |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 52 | 88 (stronger) |
| Loan quality | 57 | 77 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 74 (stronger) | 55 |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 40th | 80th |
| Total assets | $384.4M | $377.5M |
| Deposits / shares | $338.1M | $324.1M |
| Capital ratio | 10.23% | 13.82% (stronger) |
| Problem loans | 1.28% | 0.69% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.07% (stronger) | 1.78% |
| Loans ÷ deposits | 74.5% (stronger) | 86.1% |
| Uninsured deposits | 25.3% (stronger) | 32.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Bank of O'Fallon has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Byron Bank leads on 4 and Bank of O'Fallon on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.