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Byline Bancorp (BY) investor relations material
Byline Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $30.1M ($0.66 per share), with adjusted net income of $33.8M ($0.75 per share), reflecting merger and offering-related adjustments.
Successfully completed and integrated the First Security Bancorp acquisition, adding $280M in deposits and $153M in loans, and strengthening the loan and deposit base.
Total assets reached $9.7B, with strong growth in loans and deposits, and continued share repurchases.
Tangible book value per share rose to $21.56, up 3.1% sequentially and 14.4% year-over-year.
Recognized for workplace excellence and celebrated twelfth anniversary as a public company.
Financial highlights
Net interest income reached a record $96.0M, up 8.8% sequentially and 10.9% year-over-year; net interest margin expanded to 4.18%.
Total revenue was $110.5M, up $7.4M sequentially and 11% year-over-year.
Non-interest income was $14.5M, down 2.6% sequentially, mainly due to lower loan servicing asset revaluation.
Non-interest expense increased to $59.6M, reflecting acquisition, salaries, and professional fees.
Adjusted efficiency ratio improved to 48.20%; cost to asset ratio declined 18 bps from prior quarter.
Outlook and guidance
Loan growth expected at the upper end of mid-single digit range for the second half of the year.
Q3 net interest income projected between $95M and $97M, assuming no Fed rate changes.
Noninterest expense guidance for Q3 set at $56M–$58M, reflecting seasonal marketing costs.
Gain on sale guidance remains at $5M per quarter.
Management expects liquidity and capital resources to be sufficient for at least the next 12 months.
M&A challenges and capital deployment strategy?
Detail the drivers of credit migration in Q2
Discuss preparedness for $10B regulatory threshold
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Next Byline Bancorp earnings date
Q3 202524 Oct, 2025
Next Byline Bancorp earnings date
Q3 202524 Oct, 2025
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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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