Side-by-side · Q2 2026 data
Byron Bank vs First Secure Bank and Trust Co.
Metric by metric
| Measure | Byron Bank | First Secure Bank and Trust Co. |
|---|---|---|
| TellerScore | 69 (stronger) | 39 |
| Capital cushion | 52 | 65 (stronger) |
| Loan quality | 57 (stronger) | 0 |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 74 (stronger) | 65 |
| Problem-loan coverage | 81 (stronger) | 13 |
| Peer percentile | 40th | 2nd |
| Total assets | $384.4M | $396.2M |
| Deposits / shares | $338.1M | $313.7M |
| Capital ratio | 10.23% | 11.49% (stronger) |
| Problem loans | 1.28% (stronger) | 6.29% |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 2.07% (stronger) | 0.51% |
| Loans ÷ deposits | 74.5% (stronger) | 94.7% |
| Uninsured deposits | 25.3% | 15.5% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Byron Bank has the higher TellerScore (69 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Byron Bank leads on 4 and First Secure Bank and Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.