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Byline Bank

$1B-$10B Specialty: Commercial IL FDIC cert 20624

Designations: ✓ Community bank

Chicago, IL

54 branches across IL · WI · CA · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits +0.8% year over year ($7.9B on the books).
  • Delinquency rate 0.94%.
  • Return on assets 1.69%.
  • Efficiency ratio 46.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL
View $1B-$10B leaderboard (IL) →

Byline Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Efficiency Ratio 13.17% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.2% in tier
  • - Liquidity Strain: Bottom 18.6% in tier
Get updates when Byline Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $9.9B
+2.1% YoY +0.2% QoQ
+$7.1B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 0.2% in tier
Total Loans ? $7.5B
+2.8% YoY +1.0% QoQ
+$5.5B $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 0.3% in tier
Total Deposits ? $7.9B
+0.8% YoY +0.9% QoQ
+$5.6B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 1.2% in tier
Return on Assets ? 1.69%
+26.3% YoY +2.6% QoQ
+0.29% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.53%
+5.5% YoY -0.2% QoQ
+0.66% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 11.9% in tier
Efficiency Ratio ? 46.56%
-9.4% YoY -1.9% QoQ
-13.17% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 14.8% in tier
Delinquency Rate ? 0.94%
+1.0% YoY +3.3% QoQ
+0.08% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 94.27%
+2.0% YoY +0.1% QoQ
+9.24% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 23.54%
+2.2% YoY -0.4% QoQ
+2.27% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.74%
-0.9% YoY +4.3% QoQ
+0.07% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 14.00%
+8.2% YoY +2.6% QoQ
-0.84% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.30%
-2.8% YoY +120.6% QoQ
-0.23% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 23.5%
+0.5pp YoY
-0.1pp QoQ
 +2.2pp 21.4% 20.1% 22.2% 66%
Brokered Deposits 8.9%
+1.0pp YoY
+0.3pp QoQ
 -0.5pp 9.5% 8.0% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 33.3%
+3.7pp YoY
+1.7pp QoQ
 +19.3pp 14.0% 14.7% 12.5% 93%
CRE 44.6%
-2.6pp YoY
-1.6pp QoQ
 -5.4pp 50.0% 37.9% 41.4% 35%
1-4 Family 3.8%
-0.2pp YoY
+0.1pp QoQ
 -22.6pp 26.4% 28.3% 31.3% 6%
Consumer 0.1%
-0.2pp YoY
0.0pp QoQ
 -4.6pp 4.7% 5.4% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.0%
+1.1pp YoY
+0.4pp QoQ
 -1.6pp 15.6% 19.9% 19.7% 58%
Leverage Ratio 12.9%
+0.9pp YoY
+0.2pp QoQ
 +1.6pp 11.3% 12.2% 12.6% 84%
Total Capital Ratio 15.3%
+1.1pp YoY
+0.4pp QoQ
 -1.4pp 16.7% 20.9% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 1,030
+16 (+1.6%) YoY
-4 (-0.4%) QoQ
 +716 313 228 482 98%
Assets per Employee ($) $9.6M
+0.6% YoY
+0.6% QoQ
 -$861K $10.5M $8.3M $8.8M 62%
Branch Count 55
+1 (+1.9%) YoY
0 QoQ
 +35 20 10 18 94%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.1pp 0.2% 0.4% 0.4% 38%
Nonaccrual 0.9%
0.0pp YoY
0.0pp QoQ
 +0.1pp 0.8% 1.1% 1.0% 72%
Allowance Coverage 1.59x
-0.1% YoY
-1.5% QoQ
 -17.12x 18.71x 5.62x 20.23x 40%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.0%
+1.7pp YoY
+0.3pp QoQ
 -0.6pp 12.6% 10.5% 11.6% 49%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.6% 1.7% 40%
Net Income ($, YTD) $82.7M
+29.3% YoY
— QoQ
 +$63.4M $19.2M $11.7M $40.4M 98%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#18 of 402 • Bottom 4.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#68 of 361 • Bottom 18.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.27%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

3
Total Assets
size
Value: $9.91B
Peer Median: $2.79B
#3 of 885 Top 0.2% in $1B-$10B
4
Total Loans
size
Value: $7.45B
Peer Median: $1.96B
#4 of 885 Top 0.3% in $1B-$10B
12
Total Deposits
size
Value: $7.90B
Peer Median: $2.32B
#12 of 885 Top 1.2% in $1B-$10B
106
Net Interest Margin
profitability
Value: 4.53%
Peer Median: 3.87%
#106 of 885 Top 11.9% in $1B-$10B
132
Efficiency Ratio
profitability
Value: 46.56%
Peer Median: 59.73%
#132 of 885 Top 14.8% in $1B-$10B
195
Return on Assets
profitability
Value: 1.69%
Peer Median: 1.39%
#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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