# BYLINE BANK
CHICAGO, IL · FDIC certificate 20624 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.91B | |
| Deposits | $7.90B | |
| Loans and leases | $7.56B | |
| Total equity | $1.40B | |
| Loans / deposits | 94.27% (p72 of band) | 87.10% |
| Liquid assets / assets | 18.34% (p38 of band) | |
| Uninsured deposits / deposits | 34.11% (p59 of band) | 30.76% |
| Brokered deposits | 7.13% | |
| Wholesale funding | 11.78% (p71 of band) | |
| FHLB advances / assets | 3.88% | |
| Tier 1 leverage | 12.88% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -9.50% (p42 of band) | -7.75% |
| AOCI / equity | -0.97% (p19 of band) | |
| ROA (annualized) | 1.69% (p78 of band) | 1.26% |
| Net interest margin | 4.53% (p88 of band) | 3.70% |
| Efficiency ratio | 46.56% (p16 of band) | |
| Noncurrent loans | 0.93% (p72 of band) | 0.51% |
| Net charge-offs (annualized) | 0.21% (p87 of band) | |
| Reserve coverage of noncurrent | 159.34% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 24.81% (p23 of band) | |
| Auto loans | $28,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $154.9M (11% of equity) (p88 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 1030 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 | liquid assets <10%, noncurrent p90 |  |
| 2011-09 | 6 |  | liquid assets <10% |
| 2011-12 | 7 | capital falling |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking |  |
| 2012-06 | 10 | leverage <5%, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-09 | 11 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 11 |  |  |
| 2013-03 | 12 | uninsured deposits leaving |  |
| 2013-06 | 2 | NIM <2.5% | leverage <7%, losing money, expense ratio p90, charge-offs p90, noncurrent p90, capital falling, leverage <5%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 3 | expense ratio p90 |  |
| 2013-12 | 5 | capital falling, noncurrent p90 |  |
| 2014-03 | 4 | losing money | NIM <2.5%, capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | losing money |
| 2015-03 | 4 | losing money |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | charge-offs p90 | capital falling |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 |  | expense ratio p90, charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 | capital falling | noncurrent p90 |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | wholesale funding >15% |  |
| 2020-06 | 4 | capital falling | wholesale funding >15% |
| 2020-09 | 2 |  | noncurrent p90, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2022-09 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2022-12 | 1 | wholesale funding >15% |  |
| 2023-03 | 2 | brokered >10% |  |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 2 |  | brokered >10% |
| 2023-12 | 1 |  | wholesale funding >15% |
| 2024-03 | 2 | wholesale funding >15% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-14 [Byline Bank CEO discusses approaching $10B threshold - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMGEzT0R5NjQ0bVd0UGsxWTVOOGNuenZmZk9nN2c2ODdNUXRDTmFFbWR6MnhEMmIycU96aHI5M0JpLVI3RGVwNHZtS3o0UHN5elYtemlEcmVkclpFM0dGbEh5bHozdnAxVzZqVzZTVHZiUWtaanVpQUpROFlrd3JHVllVUWRVZHFzbGFhdFNGVjlHbnV1TlRXU3RmWDkxajJRS1FKejlB?oc=5) · Banking Dive
- 2026-06-08 [Byline Bank Named ‘Lender of the Year’ at the Illinois Real Estate Journal’s 2026 Real Estate Awards Gala - Yahoo Finance](https://news.google.com/rss/articles/CBMinwFBVV95cUxNQm5ja0E5ZUdsSnBXU0N5SDNkRDJOQTh6R0IwMEljNlJqNGRKOV85UWxNODk3U01LMVFiZEx6OHg0eHpTU1BJdEVDakVSUVZ0bU53S3JmZzFkT3ZNWXpwRkQ2dTJBekpZLVdzejRIYUd1SkVJVjk5cFgxUTFpR05LbTFlbjh3T25OZU5hSXZyM01pUkdJaExiZ3VwOVRyZDQ?oc=5) · Yahoo Finance
- 2026-05-04 [Byline Bank Named a 2026 Best Workplace in Illinois - GlobeNewswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQX2x2X0ZYazQ3eDhyc0VwejFzQkU1ckJhMDhTQ2lvZVdEQ1Nqakp5ZU1RQkZiSUxhcXdIZHZHdkxRMF9CWjZfWGNPa1VjRWF3Zl9EUmNNSlZyV2lrRVFUSHZmcW95SWdRcjBBTXU5czBucXU4ekhGTGxac1B6cTROVGFxbS14VWI3YXBtQjE2V0hJLTlSdEdZRlJLZnRSbWtNNUNwRnF0TENqUzZtWFVfRzlqS1FzbktzRFc3SEs4RzM?oc=5) · GlobeNewswire
- 2026-07-20 [Byline Bank wins Illinois SBA Lender of the Yea... - Pluang](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbEZzM0NOcFctVEo3WUNGNUdBbmhCRTJJYndWNHhCMEVjMFBBd2VxeDhBeDl3UnVlSlBlU0JfTFBBdnd1dDZ2V3RwT3h4UDVrLVY3SnlnRmZvQTIwZTdXRjJIV29WMmllbXMxQ2hlbGx2MXdOYVp1Z0tjUXpCZWpNZFQ0WklTMnJaZ1hOVDN2a2ZNOHFfX181aUg0QlRVX0JFUzJQUQ?oc=5) · Pluang
- 2026-08-04 [Byline Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE8xWFQzNHUzMEcxTkliTzhLV2dkNnIxT0NWaVMyUW1ZZk1fVWJsa2FyRU04ZlNPV3d2RFVZNEhPdXJfNVlrSGZQVWw4Z2tSR0lwaG5VYTVWRlRhXy00ZnhoUTVTeGQzZEx1VXow?oc=5) · reveliolabs.com
- 2026-02-26 [Tax lien investors bet on $55M bankruptcy and constitutional challenge to escape Byline Bank debt - The Real Deal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQTnRsbmJDeFAtOWNhV0FFY2VQRzdxVnRmejFLclBpVHhZRGdUSzN5N25EV2szV1RZZERpSzFZN3FkaEFLdWsxOXN5dXQzTlMtMGtRX3RLNzJ5elpqRV9kdUtJWHRZS21mWmZrZlZZTUg0VWRfZC1aVE9BM3YzQUt4UjVWLWFUT0g3c0phdWlWMWRVNnJvOHRzYTY5VTlXTWktSlNoZUI5N3FSeUk?oc=5) · The Real Deal
- 2026-07-20 [Byline Bank Honored with SBA Lender of the Year Award in Illinois - The Manila Times](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNSmhTWi1rXzYweVNDU3d3a05kcGpfLVJVamJocG1taGFQWWdQNkJ3ZkZDVkk4NFBnNTk2bFRoQVhoSVJiZTA2QXkwRFV1cnRFa0dCVEVsVEdTVmlabk1JUWhxQnBoRGtSRndIZm5aSlduVHRGVnhSQ3VhNHFUWWJkeHhGNGdxMXU4UWhDZ2xwZE9wOF9TTTJjOWwzVGVfbUxDUjRsajZLOXc5ZGlsRmlmb0w3aHNrT3p5Q3JUUVlaUE1kbU52UlRPSU1EOHZsT3N4TzliaExn0gHbAUFVX3lxTE01TUZtalVTU1c2X3lFVDljbFFfa2pwZk5XbVNWVWN3RDI5UVNsNkJiNm5uTXA4TnBOcG9fUUdQMnVZSjUyTlVldy05MWdreTNaMzJYNHhSdGRsX0RhNmNRd0xUc1RuSmFhaTJ3c3ZFclZQeEwxMWk4TXJmWmhraWp5OFBzWXR1SHl6amVrX0pfTlNJdGdNV0lJTGxORXJWS0I1dnZfLU5qRVcwb0c2UzJ2ZVpkeVlKb3pQcS00RVVuYjJsWm5GOEFQSlBMYVhtbG5uVDlQNG8ycjBPMA?oc=5) · The Manila Times
- 2026-07-20 [Byline Bank named Illinois SBA Lender of the Ye... - Pluang](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZG5lWHk1bjh4dDRUTEFpUWcyRFp1RzZNWnl4N0dIdlFMcXM5M0s2TUdBZVF0dE1MX2R1aWVnMXpRVlBfWC1QcEhSRjQyOWJWNHdHZHBsYTdYQVY3TnFiY0JSTjZ5VXEybXRxSlNXZWo2b3dZbWlkZlUyNFJBMEIxNWp4c25oQXMwdlRDQ1lwZEZHOGZwTVo4MWpPbjd3M2hGX09POA?oc=5) · Pluang

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20624 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "20624", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide