Byline Bancorp(NYSE) BY

Byline helps Chicago residents and businesses manage their money. It provides business loans and accounts for everyday savings. The bank serves neighbors near its local branches.

Banking for Business and Community

• Commercial Banking: Lending services for small businesses and real estate professionals; includes a $3.3 billion commercial and industrial (C&I) loan portfolio as of December 31, 2025.
• Small Business Capital: Specialized lending backed by the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA); bank ranked as the tenth most active national SBA 7(a) loan originator for the 2025 fiscal year.
• Community Banking: Traditional checking and savings accounts for consumers; core deposits—stable, low-cost funds from account holders—accounted for 87% of all deposits at the end of 2025.
• Equipment Leasing: Financing for machinery and tools in manufacturing and healthcare through Byline Financial Group; average lease size was $84,000 during 2025.
• Wealth Management: Investment and trust services for high net worth individuals and foundations; assets under administration reached $823.2 million as of December 31, 2025.

Growing the Chicago Footprint

• Completed the acquisition of First Security Bancorp, Inc. and its subsidiary bank on April 1, 2025.
• Purchased Inland Bancorp, Inc. in 2023 to strengthen its presence in the Chicago metropolitan area.
• Acquired Oak Park River Forest Bankshares, Inc. in 2019 to expand local neighborhood coverage.
• Integrated First Evanston Bancorp, Inc. in 2018 to increase its market share in northern suburbs.

How Does Byline Stand Out?

Byline was the most active lender in Illinois for the SBA 7(a) program, which provides government-guaranteed loans to help small firms grow. The bank uses its network of 44 Chicago-area branches to gather stable, low-cost deposits that fund its specialized lending operations.

Tracking the Numbers

• Net income rose to $37.6 million in Q1 2026, up 33% from $28.2 million in Q1 2025.
• Gross profit reached $106.1 million in Q1 2026, a 14% increase year-over-year.
• Total assets were $9.7 billion as of December 31, 2025.
• The average cost of deposits was 2.17% for the year ended December 31, 2025.
• Market capitalization hit $1.4 billion in Q1 2026, up 23.6% from the previous year.

Steady Local Growth

Byline has evolved by acquiring other banks and focusing on government-backed loans for small businesses. Its strong presence in the Chicago market provides a stable base of customer deposits to support its diversified lending portfolio.