Byron State Bank

115 Kansas Avenue
Byron, NE 68325

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22350
Date Established 1976
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.01 billion

Byron State Bank is an FDIC insured institution located in Byron, NE. It was founded in 1976 and has approximately $0.04 billion in assets.

For a more detailed analysis of Byron State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Byron State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Byron State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.04
Multifamily
Mortgages
3.79
Credit Card Loans 0.00
Consumer Auto Loans 2.06
Small Business Loans 4.20
Construction and Development Loans 0.00
Commercial Real Estate 4.26
Commercial and Industrial Loans 16.44
Farm Loans 34.48

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Byron State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,337 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Byron State Bank
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Branches

Byron State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Byron State Bank Locations

Financial Details

Byron State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Byron State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Byron State Bank U.S. Bank Average
9.26% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Byron State Bank had $574,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,780,000 in equity and $422,000 in loans loss reserves. That gives it a Texas Ratio of 9.26%.

Return on Equity
Byron State Bank U.S. Bank Average
9.23% 8.84%

Byron State Bank has a Return on Equity of 9.23% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Byron State Bank U.S. Bank Average
12.62% 12.21%

Byron State Bank has a Capitalization of 12.62% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Byron State Bank Balance Sheet Analysis

As of June 30, 2017, Byron State Bank had assets of $43,636,000, loans of $36,560,000, and deposits of $36,486,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.04 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Byron State Bank

Branches and Savings

Is Byron State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22350.

Why does Byron State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Byron State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Byron State Bank a commercial bank?

Yes

Where are Byron State Bank locations?

See branch locations nearby.

Is Byron State Bank open on Saturdays?

Is Byron State Bank open on Sundays?

What time does Byron State Bank open?

What time does Byron State Bank close?

Are Byron State Bank ATMs Open 24/7?

Do Byron State Bank ATMs accept cash deposits?

Can Byron State Bank customers use other ATMs?

Do Byron State Bank branches have notaries?

Will Byron State Bank notarize my document?

What address for Byron State Bank should I put for incoming ACH transfers?

Will the Byron State Bank branch print checks?

Do Byron State Bank checks expire?

Does Byron State Bank require US citizenship to open account?

Can Byron State Bank close my account?

Does Byron State Bank Report to credit bureaus?

Does Byron State Bank Use Equifax?

What is Byron State Bank's ACH Routing Number?

What is Byron State Bank's SWIFT code?

Products

Does Byron State Bank offer mortgages?

Compare mortgage rates here.

Does Byron State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Byron State Bank offer personal loans?

Compare personal loan rates here.

Does Byron State Bank offer student loans?

Will Byron State Bank cash a check?

Will Byron State Bank redeem a savings bond?

Does Byron State Bank cash savings bonds?

Will Byron State Bank cash money orders?

Can Byron State Bank issue a money order?

Does Byron State Bank do currency exchange?

Background on The Bank

Who owns Byron State Bank?

How long has Byron State Bank been around?

Can Byron State Bank transfer to other banks?

Does Byron State Bank have quick pay?

Does Byron State Bank accept rolled coins?

Will Byron State Bank accept loose change?

Where is Byron State Bank headquarters?

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