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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Byline Bancorp
Byline Bancorp (BY) investor relations material
Byline Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Record Q3 revenue of $121.0 million and net income of $41.8 million; diluted EPS was $0.94.
Record net interest income was $103.7 million, NIM widened to 4.33%, and deposits grew to $8.04 billion; total assets were $9.9 billion.
Announced an acquisition of Illinois State Bancorp and returned capital through a 16.7% dividend increase and $20.4 million in share repurchases.
Financial highlights
Q3 net income was $41.786 million, or $0.94 per diluted share, versus $40.2 million in Q2 and $37.2 million a year earlier; nine-month net income rose 25.1% to $119.5 million.
Revenue was $121.0 million, up 2.8% QoQ and 4.6% YoY; net interest income was $103.676 million, up 2.8% QoQ and 3.8% YoY.
Non-interest income was $17.332 million, up 2.7% QoQ, supported by wealth management and trust income and customer swap income.
Non-interest expense was $59.800 million, up 5.9% QoQ, mainly due to $3.4 million in higher salaries and benefits, primarily incentive compensation.
Provision for credit losses was $6.748 million; lower deposit costs contributed to reduced interest expense and higher net interest income.
Outlook and guidance
Q4 loan balances are expected to remain flat as originations and payoffs offset; mid-single-digit loan growth remains the 2027 expectation, excluding M&A.
Q4 guidance: net interest income of $103 million–$105 million, non-interest income of $14 million–$15 million including $5.5 million in gain-on-sale revenue, and non-interest expense of $62 million–$64 million.
Full-year efficiency ratio is expected at or below 50%; costs are expected to decline in Q1 2027, and the 2027 effective tax rate is estimated near 25.5%.
Illinois State Bancorp acquisition is expected to close in Q1 2027, subject to approvals and other closing conditions; the asset threshold of $10 billion is expected to be crossed in 2027.
A +100 bps rate shock is modeled to increase 12-month NII by 4.4%; a +100 bps ramp is modeled to increase it by 2.2%.
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Latest events from Byline Bancorp
- Illinois State Bancorp deal targets mid-single-digit EPS accretion with 1.2% TBV dilution.BY
Merger agreement presentation - Acquisition of First Security Bancorp enhances Chicago presence with strong financial impact.BYCorporate presentation
- Record net income, improved efficiency, and a 16.7% dividend increase in Q2 2026.BYQ2 2026
- Shareholders approved all proposals as 2025 financials showed strong growth and profitability.BYAGM 2026
- Net income up 33% to $37.6M, with strong capital, improved efficiency, and robust asset quality.BYQ1 2026
- Record Q3 net income, margin expansion, and improved capital and asset quality.BYQ3 2025
- Q3 net income rose to $30.3M, with strong capital, deposit growth, and a pending merger.BYQ3 2024
- Q2 2024 net income reached $29.7M, with strong loan growth and robust capital ratios.BYQ2 2024
- Net income up 11.9% to $120.8M, with strong loan growth and a higher dividend.BYQ4 2024
Next Byline Bancorp earnings date
Q4 202622 Jan, 2027
Byline Bancorp
Next Byline Bancorp earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers deposit products, such as interest-bearing demand accounts with interest rates varying based on account balance; non-interest bearing accounts; sweep accounts; money market accounts; certificates of deposit; and retirement accounts. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.