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Byline Bancorp
Byline Bancorp (BY) investor relations material
Byline Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record annual revenue of $446.3 million in 2025, with net income of $130.1 million ($2.89 per diluted share), reflecting strong profitability and growth year-over-year.
Fourth quarter net income was $34.5 million ($0.76 per diluted share), with robust pre-tax pre-provision ROAA above 2% for the 13th consecutive quarter.
Successfully integrated First Security, upgraded technology, and prepared to cross the $10 billion asset threshold in 2026.
Maintained a leading commercial banking presence in Chicago, with $7.5 billion in loans and $7.6 billion in deposits as of year-end.
Maintained a people-first culture, low turnover, and recognition as one of America's Best Workplaces for 2026.
Financial highlights
Net interest income for Q4 2025 was $101.3 million, up 1.4% sequentially; full-year net interest income rose 10.7% to $385.3 million.
Full year 2025 net income was $130.1 million ($2.89 per diluted share) on $446 million revenue, up 9.7% year-over-year.
Q4 net income was $34.5 million ($0.76 per diluted share) on $117 million revenue; revenue up 1.1% sequentially and 12% year-over-year.
Tangible book value per share increased 16.7% year-over-year to $23.44.
Loans grew 8.9% year-over-year; deposits up 2.5% year-over-year.
Outlook and guidance
Expect to cross $10 billion in assets in 2026 and are well-prepared for regulatory changes.
Loan growth expected in the mid-single digits for 2026, primarily from commercial banking.
Net interest income guidance for Q1 2026 is $99–$100 million, with stable to growing NII expected throughout the year.
Net charge-offs expected in the 30–40 basis point range for 2026.
Management expects to continue executing its commercial banking strategy and drive long-term shareholder value in 2026.
Capital strategy given TCE target absence?
Commercial payments client profile and goals?
Plans to reduce balance sheet asset sensitivity?
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Next Byline Bancorp earnings date
Q1 202624 Apr, 2026
Byline Bancorp
Next Byline Bancorp earnings date
Q1 202624 Apr, 2026
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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.
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