Byline Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Byline Bank earns an unusually wide margin on its lending. Based in Chicago, Illinois, it had $9.9 billion in assets at June 30, 2026, up 2.1% from a year earlier. It keeps 4.38 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 28% from a year earlier, to $43 million. Its $960 million non-owner-occupied commercial real estate book is improving, with 0.11% past due or on nonaccrual, down from 0.86% a year earlier.
As of June 30, 2026, Byline Bank reported a CET1 capital ratio of 14.00%, a return on assets of 1.71%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 5.02%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 180 N La Salle St, Chicago, IL 60601
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1972
- Former names
- North Community Bank (1979-2015)
- Offices
- 54 domestic
- Employees (FTE)
- 1,030
- Domestic deposits
- $7.90B
- Allowance for credit losses
- $111.9M
- Net charge-offs (YTD)
- $10.4M
- Average total assets
- $9.98B
- Average total loans
- $6.75B
- Average interest-bearing deposits
- $6.02B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1972
- FDIC Cert
- 20624
- Fed RSSD
- 129732
- SEC CIK
- 1702750 → filed by BYLINE BANCORP, INC.
- Website
- www.bylinebank.com →
- Parent Holding Company
- BYLINE BANCORP, INC. (RSSD 1204627) · BY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Roberto R Herencia | CEO | CHIEF EXECUTIVE OFFICER |
| Thomas Abraham | PRES | PRESIDENT, SBC |
| Thomas J Bell Iii | CFO | EVP CHIEF FINANCIAL OFFICER |
| Mark Fucinato | CCO | CHIEF CREDIT OFFICER |
| Johnson Michelle Lynn | CRO | CHIEF RISK OFFICER |
| Nicolas Mando | CTO | CHIEF TECHNOLOGY & OPERATIONS |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Byline Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Byline Bank, freeByline Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Byline Bank
- First Security Trust and Savings Bank, effective April 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.00% | 1.71% | 1.34% | 5.02% | 4.38% |
| Q1 2026 | 13.64% | 1.62% | 1.36% | 4.91% | 4.39% |
| Q4 2025 | 13.35% | 1.51% | 1.15% | 5.19% | 4.51% |
| Q3 2025 | 13.16% | 1.67% | 0.87% | 4.84% | 4.47% |
| Q2 2025 | 12.94% | 1.36% | 1.33% | 5.40% | 4.29% |
| Q1 2025 | 12.96% | 1.32% | 1.34% | 4.50% | 4.14% |
| Q4 2024 | 12.94% | 1.36% | 1.48% | 5.31% | 4.15% |
| Q3 2024 | 12.69% | 1.39% | 1.56% | 5.46% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 48 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lakeview East-Broadway Branch | Chicago , IL | 60613 | $3.65B |
| Evanston-Church Street Branch | Evanston , IL | 60201 | $312.1M |
| Oak Park Branch | Oak Park , IL | 60301 | $283.0M |
| Lake Zurich Branch | Lake Zurich , IL | 60047 | $248.2M |
| Oswego Branch | Oswego , IL | 60543 | $205.0M |
| Garfield Ridge Branch | Chicago , IL | 60638 | $185.4M |
| Norridge Branch | Norridge , IL | 60706 | $161.3M |
| Berwyn Branch | Berwyn , IL | 60402 | $135.6M |
| Tinley South Branch | Tinley Park , IL | 60487 | $127.1M |
| Westchester Branch | Westchester , IL | 60154 | $124.1M |
| Skokie-Dempster Branch | Skokie , IL | 60076 | $121.9M |
| Willmette Branch | Wilmette , IL | 60091 | $115.6M |
| Burbank Branch | Burbank , IL | 60459 | $112.9M |
| Mckinley Park | Chicago , IL | 60609 | $105.8M |
| Elmwood Park Branch | Elmwood Park , IL | 60707 | $104.2M |
| Morton Grove Branch | Morton Grove , IL | 60053 | $99.9M |
| Halsted Branch | Chicago , IL | 60608 | $98.7M |
| Villa Park Branch | Villa Park , IL | 60181 | $98.1M |
| Hickory Branch | Hickory Hills , IL | 60457 | $95.7M |
| Countryside Branch | Countryside , IL | 60525 | $93.4M |
| Skokie-Touhy Branch | Skokie , IL | 60076 | $88.9M |
| Lincoln Park-Armitage Branch | Chicago , IL | 60614 | $88.3M |
| Evanston Central Branch | Evanston , IL | 60201 | $86.4M |
| Rogers Park Branch | Chicago , IL | 60626 | $71.0M |
| Roscoe Branch | Chicago , IL | 60618 | $69.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired First Security Trust and Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2023 | Structure Change | Acquired Inland Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Structure Change | Acquired Community Bank of Oak Park River Forest Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2018 | Structure Change | Acquired First Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2016 | Structure Change | Acquired Ridgestone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 14, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 2013 | Structure Change | Acquired Oswego Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2011 | Structure Change | Acquired The First Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Byline Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in IL, rank 15 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 69 applications, 44 loans originated, $68.2M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 447 loans, $488.4M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Byline Bank
What are Byline Bank's total assets?
As of the Q2 2026 filing, Byline Bank reported total assets of $9.91 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Byline Bank headquartered?
Byline Bank is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Byline Bank founded?
Byline Bank was established in 1972, per the FDIC institution directory.
Is Byline Bank FDIC-insured?
Yes. Byline Bank is an FDIC-insured commercial bank (FDIC Certificate #20624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Byline Bank?
Byline Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Byline Bank's CET1 capital ratio?
Byline Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Byline Bank operate?
Byline Bank operates 54 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Byline Bank's Texas Ratio?
Byline Bank's Texas Ratio is 5.02% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Byline Bank previously called?
The charter now named Byline Bank has also operated as North Community Bank (1979-2015), per FDIC structure-change records.
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