Byline Bancorp (BY) Q4 2025 earnings summary

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.