Byline Bank
Byline Bank reported total assets of $9.9 bn at Q2 2026, up 2.1% on a year earlier, the 161st largest of 497 banks in our US coverage. The CET1 capital ratio at Byline Bank was 14.00%, and the uninsured share of Byline Bank was 34.11%. Source: FDIC Call Reports.
Key takeaways
- Since , Byline Bank has taken over 5 institutions; the latest was First Security Trust and Savings Bank on (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Byline Bank climbed from 249th to 160th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets Byline Bank apart
How large is Byline Bank?
The balance sheet of Byline Bank at : assets $9.9 bn, deposits $7.9 bn, net loans $7.5 bn (loans equal to 94.27% of deposits). Securities make up 16.4% of total assets at Byline Bank. Since , when Byline Bank held $2.6 bn, its assets grew 286.9%. In the year to , deposits at Byline Bank rose 0.8% while its total assets rose 2.1%. At , Byline Bank employed 1,030 full-time equivalent staff across 55 offices, about $9.6 mn of assets per employee and $143.7 mn of deposits per office.
How much funding at Byline Bank is uninsured?
At Byline Bank, uninsured deposits (above the FDIC limit) made up 34.11% of domestic deposits at (+0.95 pp on a year earlier); Byline Bank ranks 256th of 500 on this measure. In dollars, Byline Bank estimated $2.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.9 bn | +0.8% | 168th of 499 |
| Net loans and leases | $7.5 bn | +2.8% | 148th of 500 |
| Loan-to-deposit ratio | 94.27% | +1.89 pp | 126th of 500 |
| Tier 1 leverage ratio | 12.88% | +0.87 pp | 58th of 500 |
| Total risk-based capital ratio | 15.25% | +1.11 pp | 155th of 448 |
| Net interest margin | 4.53% | +0.24 pp | 59th of 500 |
| Return on assets (ROA) | 1.69% | +0.35 pp | 102nd of 500 |
| Efficiency ratio | 46.56% | -4.83 pp | 97th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $125.1 mn | Narrowed by $15.9 mn | |
| Noncurrent loans to total loans | 0.93% | +0.01 pp | 350th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.28% | -0.13 pp | 389th of 500 (1 = lowest) |
US rank of Byline Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Byline Bank: assets, deposits and loans
- Total assets $9.9bn
- Deposits $7.9bn
- Net loans $7.5bn
Capital and securities
The CET1 ratio of Byline Bank stood at 14.00% in , +1.06 pp year on year. Low and high at Byline Bank since : 11.27% () to 14.00% (). Equity capital of Byline Bank at : $1.4 bn, or 14.1% of total assets. Byline Bank also reported a total capital ratio of 15.25% for , and a tier 1 leverage ratio of 12.88%.
The available-for-sale portfolio of Byline Bank showed an unrealized loss of $125.1 mn at ; the loss narrowed by $15.9 mn over the year.
Byline Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 13%
Byline Bank: unrealized securities gains and losses
- Available for sale -$125mn
- Held to maturity $0
Profitability and loan quality
For the year to , Byline Bank earned a return on equity of 12.03%; return on assets: 1.69%. Net interest margin at Byline Bank: 4.53%, +0.24 pp in a year. Byline Bank net income: $82.7 mn, up 29.3% year on year. The efficiency ratio of Byline Bank was 46.56%: about 47 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.93% of total loans at Byline Bank; net charge-offs: 0.28% of average loans. Gross loans and leases at Byline Bank: $7.6 bn, up 2.9% in a year.
Byline Bank: profitability
- Return on equity 12%
- Net interest margin 4.5%
- Return on assets 1.7%
Peer group of Byline Bank
The peer group of Byline Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Byline Bank (state nonmember bank), 5 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Byline Bank shows CET1 ratio 14.00% against a peer median of 13.69%, return on equity 12.03% against a peer median of 10.23% and uninsured deposit share 34.11% against a peer median of 34.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Origin Bank | State member bank | LA | $10.2 bn | 12.80% | 10.59% | 48.50% | |
| S&T Bank | State nonmember bank | PA | $9.9 bn | 13.28% | 10.32% | 35.78% | |
| Tri Counties Bank | State nonmember bank | CA | $9.9 bn | 13.69% | 10.14% | 34.12% | |
| Byline Bank | State nonmember bank | IL | $9.9 bn | 14.00% | 12.03% | 34.11% | |
| Principal Bank | Federal savings bank | IA | $9.8 bn | 14.91% | 33.04% | 45.59% | |
| Capitol Federal Savings Bank | Federal savings bank | KS | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | State member bank | MD | $9.6 bn | 14.95% | 4.50% | 27.69% | |
. FDIC Call Reports.
Last eight quarters
Two years at Byline Bank, to : assets +5.3%, deposits +4.9%, equity +15.9%. Staff 1,050 to 1,030; offices 56 to 55.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.4 bn | $9.5 bn | $9.6 bn | $9.7 bn | $9.8 bn | $9.6 bn | $9.9 bn | $9.9 bn |
| Total deposits | $7.5 bn | $7.5 bn | $7.6 bn | $7.8 bn | $7.9 bn | $7.7 bn | $7.8 bn | $7.9 bn |
| Bank equity capital | $1.2 bn | $1.2 bn | $1.2 bn | $1.3 bn | $1.3 bn | $1.4 bn | $1.4 bn | $1.4 bn |
| CET1 ratio | 12.69% | 12.94% | 12.96% | 12.94% | 13.16% | 13.35% | 13.64% | 14.00% |
| Return on equity (ROE) | 11.47% | 11.28% | 10.16% | 10.36% | 11.15% | 11.13% | 11.75% | 12.03% |
| Uninsured share of domestic deposits | 30.09% | 30.36% | 30.65% | 33.15% | 35.37% | 35.23% | 33.50% | 34.11% |
| Full-time equivalent employees | 1,050 | 1,029 | 1,032 | 1,014 | 1,019 | 1,029 | 1,034 | 1,030 |
| Number of offices | 56 | 56 | 55 | 54 | 54 | 55 | 55 | 55 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Byline Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Ridgestone Bank (FDIC certificate 34101).
- . Absorbed First Bank & Trust (FDIC certificate 34060).
- . Absorbed Community Bank of Oak Park River Forest (FDIC certificate 34325).
- . Absorbed INLAND BANK & TRUST (FDIC certificate 22444).
- . Absorbed First Security Trust and Savings Bank (FDIC certificate 17224).
Large one-quarter moves at Byline Bank
- Total assets at Byline Bank changed by +38.7% in the quarter to 2018-06-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Bank & Trust.
Questions and identifiers
What were the total assets of Byline Bank?
Byline Bank reported $9.9 bn at in its Call Report. That makes Byline Bank the 161st largest of 497 banks in our US coverage.
Is Byline Bank the same as its holding company?
No. This page covers Byline Bank, FDIC certificate 20624; BYLINE BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Byline Bank profitable?
Byline Bank reported net income of $82.7 mn for the year to ; annualized return on equity: 12.03%. So yes: Byline Bank made a profit over these months.
When is data for Byline Bank next updated?
Figures from Byline Bank for are due after .
Where can I check the figures for Byline Bank?
In the FDIC BankFind Suite record for certificate 20624, and in the Call Reports of Byline Bank (RSSD ID 129732) at the FFIEC Central Data Repository.