Byline Bancorp, Inc. (NYSE: BY)

Byline Bancorp, Inc. is a bank holding company headquartered in Chicago, Illinois that conducts all of its business activities through its subsidiary, Byline Bank, a full service commercial bank, and Byline Bank’s subsidiaries. As of December 31, 2025 the company reported consolidated total assets of $9.7 billion, total gross loans and leases outstanding of $7.5 billion, total deposits of $7.6 billion, and total stockholders’ equity of $1.3 billion. Byline Bancorp provides a broad range of banking products and services to small and medium sized businesses, commercial real estate investors, financial sponsors, and consumers who generally live or work near its branch locations. In addition to traditional commercial banking the company offers small ticket equipment leasing through its subsidiary Byline Financial Group, trust and wealth management services, and participates in U. S. government guaranteed lending programs such as SBA and USDA loans.

The company generates revenue primarily from interest income on its loan and lease portfolio which includes commercial and industrial loans, commercial real estate loans, sponsor finance loans, loan syndications, small ticket equipment leases, and U. S. government guaranteed loans. Interest income is supplemented by fee income from deposit accounts, treasury management services, trust and wealth management activities, and gains on the sale of the guaranteed portion of SBA loans in the secondary market accompanied by recurring servicing revenue. Additional revenue streams arise from deposit related fees, ATM and debit card services, and income from leasing activities conducted by Byline Financial Group. As of December 31, 2025 the commercial and industrial loan portfolio totaled $3.3 billion, the commercial real estate loan portfolio totaled $1.4 billion, sponsor finance loans amounted to $805.9 million, loan syndications totaled $183.8 million, and SBA and USDA loans totaled $533.0 million of which $97.8 million were guaranteed by the U. S. government. The small ticket equipment leasing portfolio stood at $752.3 million and assets under administration for trust and wealth management were $823.2 million.

The company operates through the following segments.

• Byline Bank: This segment delivers a full suite of commercial banking products and services including commercial and industrial loans, commercial real estate loans, sponsor finance loans, loan syndications, deposit and treasury management services, small business capital through U. S. government guaranteed loans, community banking deposit products, small ticket equipment leasing via Byline Financial Group, and trust and wealth management solutions. The segment also engages in the origination and servicing of U. S. government guaranteed loans, retaining the non‑guaranteed portion and servicing rights while selling the guaranteed portion into the secondary market to generate gain on sale income and recurring servicing revenue.

Byline Bancorp holds a competitive position as a community focused commercial bank in the Chicago metropolitan area where it faces competition from larger national banks, regional banks, internet only banks, credit unions, FinTech firms, and specialized trust and wealth management providers. Its advantages stem from a deep local branch network of 44 locations, longstanding relationships with small and medium sized businesses, expertise in SBA lending that ranked it as the top SBA 7(a) lender in Illinois, a diversified loan portfolio across multiple industries, and a strong base of low cost core deposits that represented 87.0% of total deposits as of December 31, 2025. The company’s emphasis on personalized service, experienced lending teams hired from larger banks, disciplined risk management, and a focus on organic growth and strategic acquisitions further differentiate it from peers. As of December 31, 2025 the company employed 1,027 individuals across its Chicagoland and greater Milwaukee Wisconsin areas.

The company serves small and medium sized businesses, commercial real estate investors, financial sponsors, and individual consumers residing near its branches. Its equipment leasing business serves vendors and end users in manufacturing, small equipment construction, wholesalers, and healthcare sectors. Trust and wealth management clients include foundations, endowments, and high net worth individuals. The company’s deposit base consists primarily of core deposits which are defined as all deposits except time deposits exceeding $100,000 and represented 87.0% of total deposits as of December 31, 2025. While the filing does not disclose specific customer names the breadth of its product lines indicates a diverse customer base spanning various industries and wealth levels.