Byline Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.39 percentage points lower than in Q1 2026, at 129.74%. Byline Bank ranks 36th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 95.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Byline Bank sits 7.49 points higher, at 95.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.56B |
| Net loans and leases | $7.45B |
| Loans held for sale | $21.5M |
| Loans to total assets | 76.33% |
| Loan-to-deposit ratio | 95.69% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.34% |
| Multifamily (5+ residential) | 6.03% |
| Commercial and industrial | 32.77% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.74% |
| Construction concentration (Tier 1 capital + allowance) | 25.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $116.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.62B | $7.00B | 34.59% | 31.06% | 0.05% |
| Q4 2023 | $6.70B | $7.22B | 34.79% | 30.73% | 0.05% |
| Q1 2024 | $6.80B | $7.38B | 33.46% | 31.52% | 0.05% |
| Q2 2024 | $6.90B | $7.38B | 33.32% | 31.82% | 0.04% |
| Q3 2024 | $6.90B | $7.53B | 34.28% | 31.45% | 0.06% |
| Q4 2024 | $6.91B | $7.50B | 34.09% | 31.40% | 0.06% |
| Q1 2025 | $7.05B | $7.58B | 33.82% | 31.76% | 0.03% |
| Q2 2025 | $7.35B | $7.84B | 33.97% | 29.10% | 0.28% |
| Q3 2025 | $7.46B | $7.95B | 33.90% | 29.71% | 0.22% |
| Q4 2025 | $7.52B | $7.69B | 34.77% | 30.46% | 0.24% |
| Q1 2026 | $7.48B | $7.83B | 34.15% | 31.08% | 0.15% |
| Q2 2026 | $7.56B | $7.90B | 33.34% | 32.77% | 0.13% |
Byline Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Byline Bank, freeSource: Call Report Schedule RC-C, 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)