Byline Bank
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Data as of · sourced from FFIEC call reports. How we update
Byline Bank is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1972 (FDIC certificate 20624), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.91B, up 2.1% from Q2 2025, the 5th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20624
- Headquarters
- Chicago, IL
- Established
- 1972
- Total assets, Q2 2026
- $9.91B
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 14.00%
- Domestic offices
- 55 FDIC institution directory, current count
- Routing number
- 071001533
- Latest call report
- Q2 2026, FFIEC 041 · Byline Bank call report
- Holding company
- BYLINE BANCORP, INC.
- Asset rank in state
- 5th of 319 in Illinois
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 0.93% and a Texas ratio of 5.02%. The figures come from its call report filed with the FFIEC.
Byline Bank ranks as the 5th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $9.91B, loans rose 1.1% and deposits rose 0.9%. Commercial and industrial loans made up 32.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.6%. The FDIC Summary of Deposits lists 48 offices for it, in 27 cities across 2 states; its Chicago 18 offices book 60% of its branch deposits. On its Q2 2026 call report, Byline Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 55 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Byline Bank's total assets ran between $8.87B (Q4 2023) and $9.91B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.91B total assets against $9.70B; $8.51B total liabilities against $8.42B.
$7.45B net loans and leases against $7.25B; $7.90B total deposits against $7.84B.
$1.62B securities against $1.59B; $193.6M cash and balances due against $218.3M.
$143.9M total interest income against $144.7M; $40.6M total interest expense against $45.8M.
$103.3M net interest income against $99.0M.
$16.1M total noninterest income against $15.5M; $55.8M total noninterest expense against $59.4M.
$7.2M provision for credit losses against $11.9M.
$42.6M net income against $33.2M.
1.71% return on assets against 1.36%; 4.38% net interest margin against 4.29%.
14.00% CET1 capital ratio against 12.94%; 12.88% tier 1 leverage ratio against 12.00%.
Inside the full Byline Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeByline Bank rankings
Its closest position to the top of a national ranking is 159 of 4,196, for total assets; its furthest is 1,121 of 2,134, for CET1 ratio.
Banks merged into Byline Bank
- First Security Trust and Savings Bank, effective April 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q1 2025) to 1.71% (Q2 2026) and its net interest margin ran from 4.03% (Q3 2024) to 4.51% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.00% | 1.71% | 0.93% | 5.02% | 4.38% |
| Q1 2026 | 13.64% | 1.62% | 0.90% | 4.91% | 4.39% |
| Q4 2025 | 13.35% | 1.51% | 0.95% | 5.19% | 4.51% |
| Q3 2025 | 13.16% | 1.67% | 0.85% | 4.84% | 4.47% |
| Q2 2025 | 12.94% | 1.36% | 0.92% | 5.40% | 4.29% |
| Q1 2025 | 12.96% | 1.32% | 0.76% | 4.50% | 4.14% |
| Q4 2024 | 12.94% | 1.36% | 0.90% | 5.31% | 4.15% |
| Q3 2024 | 12.69% | 1.39% | 1.02% | 5.46% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 48 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in IL, rank 15 of 379 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Byline Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Byline Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Byline Bank FDIC-insured?
Yes. It 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.
What is Byline Bank's CET1 capital ratio?
It 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?
It operates 55 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?
Its Texas Ratio is 5.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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