Byron State Bank

Byron State Bank is headquartered in Byron and is the 164^th largest bank in the state of Nebraska. It is also the 6,728^th largest bank in the nation. It was established in 1976 and as of December of 2011, it had grown to 7 employees at 1 location. Byron State Bank has a 4-star health rating.

Byron State Bank Routing Number: 104102105

Data for Q4 2011

Institution Statistics Byron State Bank FDIC Certificate # 22350 BankRate Report View Year Established 1976 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $39.11 million Loans $27.44 million Deposits $34.19 million Equity Capital $4.63 million Loan Loss Allowance $216,000 Unbacked Noncurrent Loans $437,000 Real Estate Owned $41,000 Historic Data - December 2010 Assets $36.23 million Equity Capital $4.31 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $71,000 Real Estate Owned $35,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.05% Return on Equity 8.81% Interest Income $1.80 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Byron State Bank had $478,000 in non-current loans and owned real-estate with $4.85 million in equity and loan loss allowances on hand to cover it. This gives Byron State Bank a Texas Ratio of 9.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Byron State Bank increased slightly from 2.36% as of December 31, 2010 to 9.86% as of December 31, 2011, resulting in a negative change of 318.01%. This indicates that the balance sheet and financial strength for Byron State Bank has declined slightly in recent periods. Deposit Growth In the past year, Byron State Bank has increased its total deposits by $2.57 million, resulting in 8.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Byron State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Byron State Bank has $39.11 million in assets with $4.85 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

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