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
Unfavorable gap of $165.4M · efficiency ratio beats 58% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 1.15% | 1.39% | 1.64% | Beats 77% | 7 / 31 | |
| Return on Equity | 11.85% | 11.05% | 13.35% | 16.66% | Beats 29% | 22 / 31 | |
| Net Interest Margin | 4.22% | 3.00% | 3.28% | 3.75% | Beats 94% | 2 / 31 | |
| Efficiency Ratio | 47.61% | 37.25% | 50.71% | 61.60% | Beats 58% | 14 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.18% | 0.41% | 1.00% | Beats 29% | 23 / 31 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.04% | 0.11% | Beats 10% | 29 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 10.88% | 11.50% | 13.72% | Beats 81% | 6 / 31 | |
| Total Risk-Based Capital Ratio | 15.25% | 11.53% | 12.02% | 14.77% | Beats 81% | 6 / 31 | |
| Equity / Assets | 14.08% | 8.90% | 10.15% | 11.24% | Beats 94% | 2 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 95.69% | 80.56% | 87.67% | 94.53% | 81st pctl | 6 / 31 | |
| Loans / Assets | 76.33% | 67.81% | 73.77% | 76.85% | 68th pctl | 10 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |