BYLINE BANCORP, INC. (BY) financial statements: income statement, balance sheet and cash flow

BYLINE BANCORP, INC.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), BYLINE BANCORP, INC. reported net income of $130.1M (+7.7% year on year).

Income statement

BYLINE BANCORP, INC. income statement, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Interest and fees on loans and leases$511.2M$502.4M$441.0M$273.4M
Interest on taxable securities$48.4M$39.8M$27.4M$21.9M
Interest on tax-exempt securities$3.4M$3.5M$3.4M$3.4M
Other interest and dividend income$9.2M$20.4M$7.7M$2.8M
Total interest and dividend income$572.2M$565.9M$479.5M$301.6M
Deposits$167.7M$192.4M$121.4M$19.8M
Other borrowings$6.4M$13.7M$17.2M$9.3M
Subordinated notes and debentures$12.8M$11.8M$10.3M$7.1M
Total interest expense$186.9M$217.9M$148.9M$36.2M
Net interest income$385.3M$348.0M$330.6M$265.3M
PROVISION FOR CREDIT LOSSES$36.1M$27.0M$31.7M$23.9M
Net interest income after provision for credit losses$349.2M$321.0M$299.0M$241.5M
Fees and service charges on deposits$10.9M$10.2M$9.2M$8.2M
Loan servicing revenue$12.3M$12.9M$13.5M$13.5M
Loan servicing asset revaluation($5.6M)($6.7M)($5.1M)($11.7M)
ATM and interchange fees$4.1M$4.5M$4.5M$4.4M
Net losses on sales of securities available-for-sale($21.0K)($699.0K)$0$50.0K
Change in fair value of equity securities, net$795.0K$1.1M$1.1M($603.0K)
Net gains on sales of loans$22.7M$24.5M$22.8M$31.9M
Wealth management and trust income$4.8M$4.3M$4.2M$3.8M
Other non-interest income$11.0M$8.7M$6.2M$7.8M
Total non-interest income$60.9M$58.9M$56.3M$57.3M
Salaries and employee benefits$150.4M$140.1M$127.0M$118.1M
Occupancy expense, net$14.5M$14.7M$14.0M$13.2M
Equipment expense$3.8M$4.0M$4.5M$3.8M
Impairment loss on assets held for sale$195.0K$0$2.0M$372.0K
Loan and lease related expenses$3.6M$2.8M$2.9M$1.7M
Legal, audit, and other professional fees$16.1M$13.4M$12.9M$10.4M
Data processing$19.4M$16.9M$19.5M$13.4M
Net loss recognized on other real estate owned and other related expenses$1.1M$568.0K$385.0K$708.0K
Regulatory assessments$4.3M$4.2M$4.1M$3.0M
Other intangible assets amortization expense$5.6M$5.4M$6.0M$6.7M
Advertising and promotions$5.6M$5.0M$3.8M$2.8M
Telecommunications$884.0K$870.0K$1.4M$918.0K
Other non-interest expense$11.4M$10.9M$10.9M$9.2M
Total non-interest expense$236.9M$218.8M$209.6M$184.1M
INCOME BEFORE PROVISION FOR INCOME TAXES$173.3M$161.1M$145.7M$114.7M
PROVISION FOR INCOME TAXES$43.2M$40.3M$37.8M$26.7M
NET INCOME$130.1M$120.8M$107.9M$88.0M
Basic$2.90$2.78$2.69$2.37
Diluted$2.89$2.75$2.67$2.34
BYLINE BANCORP, INC. income statement, quarters
Line itemJun 30, 2026 · Q2Mar 31, 2026 · Q1Sep 30, 2025 · Q3Jun 30, 2025 · Q2
Interest and fees on loans and leases$127.5M$126.0M$132.4M$128.2M
Interest on securities$14.4M$13.6M$13.3M$13.9M
Other interest and dividend income$2.4M$2.1M$2.9M$2.4M
Total interest and dividend income$144.3M$141.7M$148.6M$144.5M
Deposits$37.3M$36.3M$42.9M$44.4M
Other borrowings$3.3M$2.7M$1.5M$1.4M
Subordinated notes and debentures$2.9M$2.9M$4.4M$2.8M
Total interest expense$43.5M$41.8M$48.7M$48.6M
Net interest income$100.8M$99.9M$99.9M$96.0M
PROVISION FOR CREDIT LOSSES$7.2M$5.5M$5.3M$11.9M
Net interest income after provision for credit losses$93.7M$94.3M$94.6M$84.0M
Fees and service charges on deposits$2.9M$2.9M$2.7M$2.6M
Loan servicing revenue$3.0M$3.0M$3.1M$3.1M
Loan servicing asset revaluation($1.1M)($1.9M)($1.3M)($2.1M)
ATM and interchange fees$1.4M$931.0K$1.0M$1.1M
Net realized gains (losses) on securities available-for-sale$21.0K—$0($37.0K)
Change in fair value of equity securities, net$814.0K($1.1M)($298.0K)$83.0K
Net gains on sales of loans$6.1M$5.5M$7.0M$5.4M
Wealth management and trust income$1.3M$1.3M$1.4M$1.1M
Other non-interest income$2.5M$1.9M$2.3M$3.3M
Total non-interest income$16.9M$12.5M$15.9M$14.5M
Salaries and employee benefits$35.7M$36.2M$37.5M$37.8M
Occupancy and equipment expense, net$4.1M$4.4M$4.5M$4.7M
Impairment charge on assets held for sale$496.0K———
Loan and lease related expenses$752.0K$929.0K$1.3M$938.0K
Legal, audit and other professional fees$3.2M$3.2M$3.9M$4.8M
Data processing$4.9M$4.9M$4.9M$5.0M
Net loss (gain) recognized on other real estate owned and other related expenses$137.0K$810.0K$617.0K($44.0K)
Other intangible assets amortization expense$1.2M$1.2M$1.5M$1.5M
Other non-interest expense$6.0M$5.4M$6.3M$4.8M
Total non-interest expense$56.5M$57.2M$60.5M$59.6M
INCOME BEFORE PROVISION FOR INCOME TAXES$54.1M$49.7M$49.9M$38.9M
PROVISION FOR INCOME TAXES$13.9M$12.1M$12.7M$8.8M
NET INCOME$40.2M$37.6M$37.2M$30.1M
Basic$0.90$0.84$0.82$0.66
Diluted$0.90$0.83$0.82$0.66

Balance sheet

BYLINE BANCORP, INC. balance sheet, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Cash and due from banks$60.2M$58.8M$60.4M$62.3M
Interest bearing deposits with other banks$88.9M$504.4M$165.7M$117.1M
Cash and cash equivalents$149.1M$563.1M$226.1M$179.4M
Equity and other securities, at fair value$10.7M$9.9M$8.7M$8.0M
Securities available-for-sale, at fair value (amortized cost at December 31, 2025-$1,516,376; December 31, 2024-$1,595,583)$1.4B$1.4B$1.3B$1.2B
Securities held-to-maturity, at amortized cost (fair value at December 31, 2024-$605)$0$605.0K$1.2M$2.7M
Restricted stock, at cost$21.3M$27.5M$16.3M$28.2M
Loans held for sale$13.6M$3.2M$18.0M$47.8M
Loans and leases$7.5B$6.9B$6.7B$5.4B
Allowance for credit losses - loans and leases($108.8M)($98.0M)($101.7M)($81.9M)
Net loans and leases$7.4B$6.8B$6.6B$5.3B
Servicing assets, at fair value$19.2M$19.0M$19.8M$19.2M
Accrued interest receivable$39.8M$40.7M$43.9M$29.8M
Premises and equipment, net$58.0M$60.5M$66.6M$56.8M
Operating lease right-of-use asset$9.0M$9.8M$12.5M$11.4M
Assets held for sale$1.8M$2.0M$4.5M$8.7M
Other real estate owned, net$3.4M$5.2M$1.2M$4.7M
Goodwill$181.9M$181.7M$181.7M$148.4M
Other intangible assets, net$18.7M$16.4M$21.8M$10.5M
Bank-owned life insurance$107.5M$100.1M$96.9M$82.1M
Deferred tax assets, net$41.8M$56.5M$50.1M$68.2M
Due from counterparty$32.3M$38.9M$35.3M$11.6M
Other assets$139.0M$137.1M$152.3M$131.8M
Total assets$9.7B$9.5B$8.9B$7.4B
Non-interest-bearing demand deposits$1.8B$1.8B$1.9B$2.1B
Interest bearing checking, savings accounts, and money market accounts$4.3B$3.8B$3.4B$2.6B
Time deposits$1.5B$1.9B$1.9B$922.9M
Total deposits$7.6B$7.5B$7.2B$5.7B
Federal Home Loan Bank advances$340.0M$575.0M$325.0M$625.0M
Term loan$0$11.7M$18.3M—
Subordinated notes, net$73.9M$74.0M$73.9M$73.7M
Securities sold under agreements to repurchase$79.6M$32.1M$40.6M$15.4M
Junior subordinated debentures issued to capital trusts, net$71.4M$70.9M$70.5M$37.3M
Accrued interest payable$11.8M$21.1M$22.2M$4.5M
Operating lease liability$9.9M$10.9M$14.3M$14.4M
Accrued expenses and other liabilities$150.8M$150.6M$138.8M$131.7M
Total liabilities$8.4B$8.4B$7.9B$6.6B
Preferred stock, $0.01 par value per share, 25,000,000 shares authorized$0.00$0.00$0.00$0.00
Common stock, voting $0.01 par value at December 31, 2025 and 2024; 150,000,000 shares authorized; 47,871,512 shares issued at December 31, 2025 and 46,252,693 shares issued at December 31, 2024471.0K455.0K451.0K389.0K
Additional paid-in capital$760.7M$717.8M$710.5M$598.3M
Retained earnings$645.7M$533.9M$429.0M$335.8M
Treasury stock at cost, 2,325,584 shares at December 31, 2025 and 1,793,109 shares at December 31, 2024-65.9M-46.9M-49.7M-51.1M
Accumulated other comprehensive loss, net of tax($73.1M)($113.7M)($100.1M)($117.5M)
Total stockholders’ equity$1.3B$1.1B$990.2M$765.8M
Total liabilities and stockholders’ equity$9.7B$9.5B$8.9B$7.4B
BYLINE BANCORP, INC. balance sheet, quarters
Line itemJun 30, 2026Mar 31, 2026Sep 30, 2025Jun 30, 2025
Cash and due from banks$77.2M$62.3M$70.4M$75.1M
Interest bearing deposits with other banks$116.4M$136.0M$188.6M$143.2M
Cash and cash equivalents$193.6M$198.4M$259.0M$218.3M
Equity and other securities, at fair value$7.5M$9.6M$10.5M$10.8M
Securities available-for-sale, at fair value (amortized cost at June 30, 2026 - $1,743,352 December 31, 2025 - $1,516,376)$1.6B$1.7B$1.5B$1.6B
Restricted stock, at cost$18.8M$20.6M$15.9M$18.6M
Loans held for sale$21.5M$9.7M$20.6M$25.8M
Loans and leases$7.5B$7.5B$7.4B$7.3B
Allowance for credit losses - loans and leases($111.9M)($108.9M)($105.7M)($107.7M)
Net loans and leases$7.4B$7.4B$7.3B$7.2B
Servicing assets, at fair value$19.3M$18.9M$19.0M$18.8M
Premises and equipment, net$56.0M$57.3M$58.8M$59.5M
Other real estate owned$3.2M$2.9M$4.2M$4.9M
Goodwill and other intangible assets, net$198.1M$199.3M$202.0M$203.5M
Bank-owned life insurance$109.4M$108.5M$106.6M$105.7M
Deferred tax assets, net$40.6M$45.5M$49.9M$57.1M
Accrued interest receivable and other assets$217.3M$216.4M$218.6M$201.5M
Total assets$9.9B$9.9B$9.8B$9.7B
Non-interest-bearing demand deposits$1.8B$1.8B$1.9B$1.8B
Interest-bearing deposits$6.0B$6.0B$5.9B$6.0B
Total deposits$7.9B$7.8B$7.8B$7.8B
Other borrowings$460.4M$504.5M$361.3M$414.1M
Subordinated notes, net$74.0M$73.9M$149.0M$74.1M
Junior subordinated debentures$71.8M$71.6M$71.3M$71.1M
Accrued interest payable and other liabilities$151.3M$177.5M$165.0M$157.9M
Total liabilities$8.6B$8.6B$8.6B$8.5B
Preferred stock$0$0$0$0
Common stock$471.0K$471.0K$471.0K$471.0K
Additional paid-in capital$756.4M$754.6M$758.1M$756.0M
Retained earnings$712.6M$677.9M$615.8M$583.2M
Treasury stock, at cost($78.6M)($71.0M)($57.0M)($57.0M)
Accumulated other comprehensive loss, net of tax($86.6M)($81.6M)($79.7M)($90.2M)
Total stockholders’ equity$1.3B$1.3B$1.2B$1.2B
Total liabilities and stockholders’ equity$9.9B$9.9B$9.8B$9.7B
Preferred stock, Shares authorized25.0M25.0M25.0M25.0M
Preferred stock, Shares issued0000
Preferred stock, Shares outstanding0000
Treasury preferred shares0000
Common stock, voting par value$0.01$0.01$0.01$0.01
Common stock, voting shares authorized150.0M150.0M150.0M150.0M
Common stock, voting shares issued47.8M47.9M47.9M47.9M
Common stock, voting shares outstanding45.2M45.4M45.9M45.9M
Common stock, voting treasury shares2.6M2.4M2.0M2.0M

Cash flow statement

BYLINE BANCORP, INC. cash flow statement, fiscal years
Line itemDec 31, 2025 · FYDec 31, 2024 · FYDec 31, 2023 · FYDec 31, 2022 · FY
Net Income$130.1M$120.8M$107.9M$88.0M
Provision for credit losses$36.1M$27.0M$31.7M$23.9M
Impairment loss on premises and equipment$0$1.1M$0$0
Impairment loss on right-of-use asset$0$194.0K$395.0K$0
Impairment loss on assets held for sale$195.0K$0$2.0M$372.0K
Depreciation and amortization of premises and equipment$4.6M$5.0M$4.5M$4.3M
Net amortization (accretion) of securities($5.9M)($2.1M)$894.0K$4.3M
Change in fair value of equity securities, net($795.0K)($1.1M)($1.1M)$603.0K
Net losses on sales of securities available-for-sale$21.0K$699.0K$0($50.0K)
Net gains on sales or disposals of premises, ROU asset and assets held for sale($672.0K)($1.3M)($723.0K)$297.0K
Net gains on sales of loans($22.7M)($24.5M)($22.8M)($31.9M)
Net gains on sales of leases($119.0K)———
Originations of U.S. government guaranteed loans($330.1M)($304.1M)($331.9M)($360.5M)
Proceeds from U.S. government guaranteed loans sold$292.4M$294.1M$360.9M$417.8M
Accretion of premiums and discounts on acquired loans, net($10.4M)($13.5M)($16.7M)($4.6M)
Net change in servicing assets($282.0K)$892.0K($672.0K)$4.6M
Net losses on sales and valuation adjustments of other real estate owned$1.1M$28.0K$508.0K$247.0K
Net amortization of other acquisition accounting adjustments$5.7M$6.5M$8.0M$6.7M
Amortization of subordinated debt issuance cost$160.0K$174.0K$175.0K$174.0K
Loss on extinguishment of subordinated debt$843.0K———
Accretion of junior subordinated debentures discount$519.0K$438.0K$453.0K$432.0K
Share-based compensation expense$9.3M$7.9M$6.7M$5.3M
Deferred tax provision (benefit)$7.8M($2.6M)$26.6M$25.6M
Increase in cash surrender value of bank owned life insurance($3.5M)($3.2M)($2.3M)($2.1M)
Gain on death benefit of bank owned life insurance($587.0K)———
Accrued interest receivable and other assets$2.9M$20.3M($1.1M)($74.6M)
Accrued interest payable and other liabilities$23.8M$42.4M($7.3M)$111.4M
Net cash provided by operating activities$140.3M$175.2M$166.1M$220.3M
Purchases of securities available-for-sale($182.6M)($352.4M)($185.5M)($104.1M)
Proceeds from maturities and calls of securities available-for-sale$80.4M$111.1M$11.2M$26.8M
Proceeds from paydowns of securities available-for-sale$177.0M$154.3M$101.4M$139.4M
Proceeds from sales of securities available-for-sale$99.5M$8.9M——
Proceeds from maturities and calls of securities held-to-maturity$605.0K$550.0K$1.5M$1.2M
Redemptions (purchases) of Federal Home Loan Bank stock, net$6.1M($11.1M)$15.0M($6.2M)
Proceeds from other loans and leases sold$12.2M———
Net change in loans and leases($480.2M)($246.2M)($460.3M)($900.3M)
Purchases of premises and equipment($4.0M)($4.0M)($3.9M)($3.6M)
Proceeds from sales of premises and equipment$0$623.0K$0$28.0K
Proceeds from sales of assets held for sale$2.1M$6.0M$2.5M$3.3M
Proceeds from sales of other real estate owned$1.7M$1.2M$3.6M$491.0K
Proceeds from bank owned life insurance death benefit$1.7M——$0
Net cash received in acquisition of a business$61.8M$0$7.8M—
Net cash used in investing activities($223.6M)($330.9M)($336.2M)($819.9M)
Net increase (decrease) in deposits($90.5M)$280.5M$515.4M$540.1M
Proceeds from short-term borrowings$7.4B$2.8B$17.7B$22.3B
BYLINE BANCORP, INC. cash flow statement, quarters
Line itemJun 30, 2026 · YTDMar 31, 2026 · Q1Sep 30, 2025 · YTDJun 30, 2025 · YTD
Net Income$77.8M$37.6M$95.5M$58.3M
Provision for credit losses$12.7M$5.5M$26.4M$21.1M
Impairment loss on assets held for sale$496.0K———
Depreciation and amortization of premises and equipment$2.2M$1.1M$3.4M$2.3M
Net accretion of securities($2.9M)($1.7M)($4.1M)($2.6M)
Change in fair value of equity securities, net$285.0K———
Net (gains) losses on sales and calls of securities available-for-sale($21.0K)———
Net (gains) losses on sales or disposals of premises and assets held for sale$49.0K$0($843.0K)($843.0K)
Net gains on sales of loans($11.6M)($5.5M)($17.3M)($10.4M)
Net gains on sales of leases$0—($119.0K)($119.0K)
Originations of U.S. government guaranteed loans($159.9M)($69.0M)($257.0M)($168.2M)
Proceeds from U.S. government guaranteed loans sold$127.7M$31.7M$214.2M$124.6M
Accretion of premiums and discounts on acquired loans, net($4.4M)($2.0M)($8.1M)($5.6M)
Net change in servicing assets($57.0K)$292.0K($67.0K)$155.0K
Net (gains) losses on sales and valuation adjustments of other real estate owned$669.0K—$491.0K($28.0K)
Net amortization of other acquisition accounting adjustments$2.5M$1.2M$4.2M$2.7M
Amortization of subordinated debt issuance cost$57.0K$28.0K$133.0K$87.0K
Accretion of junior subordinated debentures discount$405.0K$203.0K$382.0K$246.0K
Share-based compensation expense$4.6M$2.2M$6.7M$4.4M
Deferred tax provision (benefit)$5.9M($740.0K)$2.0M($1.5M)
Increase in cash surrender value of bank owned life insurance($2.0M)($1.0M)($2.6M)($1.8M)
Gain on death benefit on bank owned life insurance$0—($587.0K)($587.0K)
Accrued interest receivable and other assets$505.0K($6.8M)($1.1M)$8.3M
Accrued interest payable and other liabilities$13.7M$59.6M$19.8M$13.6M
Net cash provided by operating activities$68.7M$54.6M$81.7M$43.3M
Proceeds from sales of equity securities$2.6M———
Proceeds from calls of equity securities$300.0K———
Purchases of securities available-for-sale($372.3M)($313.8M)($151.3M)($151.3M)
Proceeds from maturities and calls of securities available-for-sale$25.0M$4.1M$65.9M$26.6M
Proceeds from paydowns of securities available-for-sale$114.2M$49.9M$124.3M$80.8M
Proceeds from sales of securities available-for-sale$9.1M—$14.2M$14.2M
Proceeds from maturities and calls of securities held-to-maturity$0$0$605.0K$605.0K
Redemptions of Federal Home Loan Bank stock, net$2.5M$699.0K$11.5M$8.8M
Proceeds from other loans and leases sold$6.9M———
Net change in loans and leases($46.5M)$30.0M($407.1M)($289.7M)
Purchases of premises and equipment($1.5M)($458.0K)($3.5M)($3.1M)
Proceeds from sales of assets held for sale$0—$2.1M$2.1M
Proceeds from sales of other real estate owned$117.0K$60.0K$1.3M$1.0M
Proceeds from bank owned life insurance death benefit$0—$1.7M$1.7M
Net cash received in acquisition of business$0—$61.8M$61.8M
Net cash used in investing activities($259.4M)($229.5M)($266.1M)($234.2M)
Net increase in deposits$223.3M$154.4M$90.3M$72.6M
Repayments of term loan$0$0($11.7M)($11.7M)
Proceeds from short-term borrowings$8.2B$5.7B$5.9B$4.3B
Repayments of short-term borrowings($8.1B)($5.6B)($6.1B)($4.5B)

BYLINE BANCORP, INC. score and earnings-call analysis · All covered companies

Figures as reported in SEC filings. General information, not investment advice.