Byline Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 9.4% lower than in Q1 2026, at $384.8M. Within Illinois, Byline Bank is 36th of 323 on loan-to-deposit ratio, 95.69% as of Q2 2026, above the middle of the field. Byline Bank reported 95.69% on loan-to-deposit ratio for Q2 2026, 7.49 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $193.6M |
| Cash and noninterest-bearing balances to assets | 1.95% |
| Cash and securities | $1.82B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $75.7M |
| Other borrowed money | $384.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.88% |
| Trading liabilities | $11.4M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.69% |
| Net loans and leases to deposits | 94.27% |
| Loans and leases to core deposits | 101.19% |
| Core deposits to total deposits | 85.63% |
| Brokered deposits to total deposits | 8.94% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.64% | 83.98% | $38.2M | $640.0M |
| Q4 2023 | 92.88% | 84.80% | $40.6M | $325.0M |
| Q1 2024 | 92.18% | 84.89% | $34.5M | $670.0M |
| Q2 2024 | 93.60% | 84.91% | $33.7M | $870.0M |
| Q3 2024 | 91.59% | 84.92% | $35.5M | $470.0M |
| Q4 2024 | 92.19% | 85.25% | $32.1M | $575.0M |
| Q1 2025 | 92.91% | 84.91% | $28.2M | $550.0M |
| Q2 2025 | 93.76% | 86.56% | $34.1M | $380.0M |
| Q3 2025 | 93.90% | 88.02% | $41.3M | $320.0M |
| Q4 2025 | 97.85% | 88.02% | $79.6M | $340.0M |
| Q1 2026 | 95.54% | 86.16% | $79.8M | $424.8M |
| Q2 2026 | 95.69% | 85.63% | $75.7M | $384.8M |
Byline Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Byline Bank, freeSource: Call Report Schedules RC and RC-M, 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)