Side-by-side · Q2 2026 data
Byron Bank vs First National Bank & Trust Company
Metric by metric
| Measure | Byron Bank | First National Bank & Trust Company |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 52 (stronger) | 28 |
| Loan quality | 57 | 71 (stronger) |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 74 | 94 (stronger) |
| Problem-loan coverage | 81 (stronger) | 46 |
| Peer percentile | 40th | 9th |
| Total assets | $384.4M | $388.1M |
| Deposits / shares | $338.1M | $364.9M |
| Capital ratio | 10.23% (stronger) | 7.79% |
| Problem loans | 1.28% | 0.88% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.11% |
| Return on assets | 2.07% (stronger) | 0.49% |
| Loans ÷ deposits | 74.5% | 42.7% (stronger) |
| Uninsured deposits | 25.3% | 21.1% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Byron Bank has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Byron Bank leads on 4 and First National Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.