Byline Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 6.1% in Q2 2026 to -$86.6M, the biggest move on this page. Byline Bank ranks 121st of 198 Illinois banks on CET1 ratio, in the lower half at 14.00% (Q2 2026). Byline Bank reported 14.00% on CET1 ratio for Q2 2026, 0.53 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.25% |
| Tier 1 leverage ratio | 12.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.26B |
| Tier 1 capital | $1.26B |
| Total risk-based capital | $1.37B |
| Total equity capital | $1.40B |
| Risk-weighted assets | $8.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.08% |
| Tangible equity to tangible assets | 12.24% |
| Equity capital to average assets | 13.98% |
| Internal capital growth rate | 7.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $845.6M |
| Retained earnings | $636.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$86.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.66% | 11.66% | 12.81% | 11.25% | $8.31B |
| Q4 2023 | 11.86% | 11.86% | 12.97% | 11.30% | $8.37B |
| Q1 2024 | 12.07% | 12.07% | 13.22% | 11.31% | $8.42B |
| Q2 2024 | 12.24% | 12.24% | 13.36% | 11.41% | $8.50B |
| Q3 2024 | 12.69% | 12.69% | 13.82% | 11.44% | $8.39B |
| Q4 2024 | 12.94% | 12.94% | 14.07% | 11.92% | $8.40B |
| Q1 2025 | 12.96% | 12.96% | 14.15% | 12.10% | $8.51B |
| Q2 2025 | 12.94% | 12.94% | 14.15% | 12.00% | $8.85B |
| Q3 2025 | 13.16% | 13.16% | 14.35% | 12.22% | $8.92B |
| Q4 2025 | 13.35% | 13.35% | 14.57% | 12.56% | $8.98B |
| Q1 2026 | 13.64% | 13.64% | 14.86% | 12.72% | $9.00B |
| Q2 2026 | 14.00% | 14.00% | 15.25% | 12.88% | $8.97B |
Byline Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Byline Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Byline Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20624) · FFIEC NIC profile (RSSD 129732)