Byline Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.48 percentage points to 2.95%. Byline Bank ranks 50th of 323 Illinois banks on net interest margin, in the upper half at 4.38% (Q2 2026). Byline Bank reported 4.38% on net interest margin for Q2 2026, 0.67 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.17% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 2.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $116.0M |
| Total interest expense | $40.6M |
| Interest expense on deposits | $37.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.63% | 2.23% | 4.66% | 7.72% | 2.42% |
| Q4 2023 | 6.45% | 2.44% | 4.28% | 6.94% | 2.46% |
| Q1 2024 | 6.40% | 2.56% | 4.12% | 6.79% | 2.53% |
| Q2 2024 | 6.45% | 2.66% | 4.09% | 6.81% | 2.68% |
| Q3 2024 | 6.51% | 2.78% | 4.03% | 6.83% | 2.81% |
| Q4 2024 | 6.33% | 2.47% | 4.15% | 6.54% | 2.90% |
| Q1 2025 | 6.13% | 2.25% | 4.14% | 6.32% | 2.95% |
| Q2 2025 | 6.28% | 2.25% | 4.29% | 6.49% | 3.27% |
| Q3 2025 | 6.38% | 2.16% | 4.47% | 6.53% | 3.17% |
| Q4 2025 | 6.24% | 1.97% | 4.51% | 6.28% | 3.16% |
| Q1 2026 | 6.06% | 1.90% | 4.39% | 6.08% | 3.30% |
| Q2 2026 | 6.10% | 1.95% | 4.38% | 6.17% | 3.28% |
Byline Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Byline Bank, freeSource: Call Report Schedules RI and RC-K, 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)