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Byline Bank

Chicago, IL · Cert 20624 · Byline Bcorp Inc.

State charter, non-member · FDIC · 48 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Byline Bank

Chicago, IL · Cert 20624 · Byline Bcorp Inc.

State charter, non-member · FDIC · 48 branches

Q2 2026

$9.9BAssets
$7.6BLoans
$7.9BDeposits
$1.4BEquity
Loan mix
61%RE $3.7B39%C&I $2.3B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $6.0B24%Noninterest $1.9BQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.2% share · #14 of 147 inst. · $7.8B of $630.7B

1.6% Cook
0.9% Lake
7.3% Kendall
0.3% DuPage

Executive Summary

  • Earnings: ROA of 1.69%, up 35 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.93% of loans (+1 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 12.88%, up 87 bps from a year ago.
  • Funding: loans stand at 95.69% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+24 bps YoY

Efficiency Ratio (YTD, annualized)

46.56%-483 bps YoY

Tier 1 Leverage Ratio

12.88%+87 bps YoY

NIM

5.99%Q2 ’245.73%Q2 ’255.72%Q2 ’26+2%+6%

Non-interest income vs. expense

2.28%Q2 ’242.36%Q2 ’252.24%Q2 ’26+6%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.39%1.29%1.33%1.45%1.47%1.64%1.69%+35 bps
Return on Equity11.47%11.28%10.16%10.36%11.15%11.13%11.75%12.03%+167 bps
Net Interest Margin3.85%3.95%4.00%3.98%4.08%4.17%4.25%4.22%+24 bps
Efficiency Ratio49.99%50.50%52.22%51.39%50.18%49.77%47.48%46.56%-483 bps
Non-Interest Burden1.64%1.69%1.80%1.76%1.75%1.77%1.74%1.66%-10 bps
Growth
Asset Growth (YoY)5.33%6.85%1.80%0.85%4.07%1.61%3.35%2.15%+130 bps
Loan Growth (YoY)4.21%3.10%3.61%6.51%8.14%8.87%6.21%2.86%-365 bps
Deposit Growth (YoY)7.68%3.87%2.79%6.33%5.48%2.56%3.29%0.78%-555 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.90%0.76%0.92%0.85%0.95%0.90%0.93%+1 bps
Net Charge-Offs / Loans0.47%0.46%0.38%0.39%0.38%0.37%0.32%0.27%-11 bps
Allowance / Loans1.43%1.42%1.42%1.46%1.42%1.45%1.45%1.48%+1 bps
Allowance Coverage of NPLs1.4x1.6x1.9x1.6x1.7x1.5x1.6x1.6x0.0x
Capital
Tier 1 Leverage Ratio11.44%11.92%12.10%12.00%12.22%12.56%12.72%12.88%+87 bps
Total Risk-Based Capital13.82%14.07%14.15%14.15%14.35%14.57%14.86%15.25%+111 bps
Equity / Assets12.80%12.57%12.82%13.24%13.51%14.06%13.89%14.08%+85 bps
Liquidity & Funding
Loans / Deposits91.59%92.19%92.91%93.76%93.90%97.85%95.54%95.69%+193 bps
Liquid Assets / Assets4.00%5.33%3.64%1.48%1.93%0.92%1.38%1.17%-30 bps
CRE / Total Capitaln/an/an/an/a295%292%278%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Byline Bank

Chicago, IL · Cert 20624 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Byline Bcorp Inc.

State charter, non-member · FDIC · 48 branches

Q2 2026

$9.9BAssets
$7.6BLoans
$7.9BDeposits
$1.4BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 2 of 31).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.67%

Rank 7 of 31

Net Interest Margin

4.22%

Rank 2 of 31

Efficiency Ratio

47.61%

Rank 14 of 31

Equity / Assets

14.08%

Rank 2 of 31

Non-interest income vs. expense

$58.7M$224.1MINCOMEEXPENSE
Unfavorable gap of $165.4M · efficiency ratio beats 58% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 47.61%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.67%1.15%1.39%1.64%Beats 77%7 / 31
Return on Equity11.85%11.05%13.35%16.66%Beats 29%22 / 31
Net Interest Margin4.22%3.00%3.28%3.75%Beats 94%2 / 31
Efficiency Ratio47.61%37.25%50.71%61.60%Beats 58%14 / 31
Asset Quality
Nonperforming Loans / Loans0.93%0.18%0.41%1.00%Beats 29%23 / 31
Net Charge-Offs / Loans0.18%0.00%0.04%0.11%Beats 10%29 / 31
Capital
Tier 1 Capital Ratio14.00%10.88%11.50%13.72%Beats 81%6 / 31
Total Risk-Based Capital Ratio15.25%11.53%12.02%14.77%Beats 81%6 / 31
Equity / Assets14.08%8.90%10.15%11.24%Beats 94%2 / 31
Liquidity & Funding
Loans / Deposits95.69%80.56%87.67%94.53%81st pctl6 / 31
Loans / Assets76.33%67.81%73.77%76.85%68th pctl10 / 31
Brokered Deposits / Depositsn/aNot reported for this institution