Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Q1 2026 Earnings Presentation
23 slides from Byline Bancorp's earnings presentation, Apr 24, 2026
Slide 1: 1Q26 Earnings Presentation
1Q26 Earnings Presentation
Slide 2: Forward-Looking Statements
Forward-Looking Statements Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections
Slide 3: Leading Chicago Commercial Banking Franchise
Leading Chicago Commercial Banking Franchise Company Overview BY at a Glance ($mm) $1.4 Billion Market Cap(1) Size A leading Chicago-based commercial bank with the strength, scale, and product $9.9 Billion $7.5 Billion $7.8 Billion offerings to compete effectively in our markets—delivering value to
Slide 4: First Quarter 2026 Highlights
First Quarter 2026 Highlights Net Income Diluted EPS PTPP ROAA $37.6 million $0.83 2.29% Reported Reported Reported(1)(2) Efficiency Ratio ROAA ROTCE 49.78% 1.56% 13.77% Reported Reported(2) Reported(1)(2) Strong Financial Performance Pre-Tax Pre-Provision income(1) of $55.2 million; Pre-Tax Pre-P
Slide 5: Loan Portfolio Trends
Loan Portfolio Trends ($ in millions) Total Loan Portfolio and Average Yield Highlights $7,354 $7,461 $7,523 $7,485 Total loan portfolio stood at $7.5 billion, down slightly from 4Q25 $7,047 Originated $241.0 million in new loans, net of loan sales in 1Q26 Commercial banking and leasing produc
Slide 6: Deposit Trends
Deposit Trends ($ in millions) Deposit Composition Highlights $7,553 $7,810 $7,828 $7,647 $7,802 Total deposits were $7.8 billion, up 8.2%(1) from 4Q25, reflecting: 5.7% 5.9% 5.5% 5.5% 5.6% 17.6% 15.6% 14.7% 14.3% 15.0% Increases in time and interest-bearing business deposits Deposit mix shift
Slide 7: Net Interest Income and Net Interest Margin Trends
Net Interest Income and Net Interest Margin Trends ($ in millions) Net Interest Income Highlights $99.9 $101.3 $99.9 Net interest income was $99.9 million, down 1.4% from 4Q25, reflecting: $96.0 Impacted by day count $88.2 Higher borrowing costs Lower cost of deposits Stable net interest m
Slide 8: Non-Interest Income Trends
Non-Interest Income Trends ($ in millions) Total Non-Interest Income Highlights $15.8 $15.7 Non-interest income totaled $12.5 million, down from 4Q25, reflecting: $14.9 $14.5 13% 21% $12.5 $1.9 million downward FV mark on loan servicing asset charge 21% 24% 9% 8% 6% 7% 7% 10% $1.1 million lowe
Slide 9: Non-Interest Expense Trends
Non-Interest Expense Trends ($ in millions) Non-Interest Expense Highlights $59.6 $60.5 $60.4 Non-interest expense of $57.2 million, down 5.3% from 4Q25, reflecting: $56.4 $57.2 $2.6 million decrease in salaries and employee benefits due to lower incentive and equity-based compensation expense
Slide 10: Asset Quality Trends
Asset Quality Trends ($ in millions) Net Charge-offs Allowance for Credit Losses (ACL) $107.7 $105.7 $108.8 $108.9 $7.7 $7.1 $6.6 $6.7 $100.4 $6.0 1.47% 1.46% 0.43% 1.43% 1.45% 0.39% 0.39% 1.42% 0.36% 0.32% $6.6 $7.3 $6.7 $4.9 $6.0 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1 2025 Q2 2025 Q3 2025 Q4 2
Slide 11: Strong Capital Position
Strong Capital Position Capital Ratios Strong Capital Base Capital Priorities: 15.81% 15.34% 15.55% 14.86% 14.87% 1. Fund Organic Growth 2. Dividend 3. M&A 4. Buyback 10.78% 11.29% 11.13% 9.95% 10.39% Increased capital ratios: CET1 of 12.55%, up 22 bps LQ and up 77 bps Y/Y TCE/TA(1) of 11.13
Slide 12: 1Q26 Appendix
1Q26 Earnings Presentation Appendix
Slide 13: Granular Deposit Base
Granular Deposit Base A strength of our franchise is our well diversified …with limited concentration and granular customer deposit base… base providing a stable source of funding Consumer Deposits(1) ~66% of Total Deposits are FDIC Insured $3.8 billion at 3/31/26 Total Franchise Customer Base 45 ~1
Slide 14: Strong Liquidity and Securities Portfolio
Strong Liquidity and Securities Portfolio ($ in millions) Liquidity Position Highlights Cash and cash equivalents of $198.4 million, an increase of $49.3 million, or 33.0% from 4Q25 Investment portfolio duration: 4.3 years; net of hedges: ~4.1 years $1.7 billion investment portfolio all classi
Slide 15: Unguaranteed Government-Guaranteed Exposure Represents 5.4% of Total Loans
Unguaranteed Government-Guaranteed Exposure Represents 5.4% of Total Loans ($ in millions) On Balance Sheet SBA 7(a) & USDA Loans Highlights ($ in millions) $ Balance % of Portfolio Closed $102.6 million in SBC loan commitments in 1Q26 Unguaranteed $381.6 5.1% SBA 7(a) portfolio $443.2 million,
Slide 16: Projected Acquisition Accounting Accretion
Projected Acquisition Accounting Accretion Projected Accretion(1) ($ in millions) $1.3 $1.1 $1.0 Q2 2026 E Q3 2026 E Q4 2026 E Non-PCD PCD (1) Projections are updated quarterly, assumes no prepayments and are subject to change. 16
Slide 17: Financial Summary
Financial Summary As of or For the Three Months Ended (dollars in thousands, except per share data) March 31, December 31, September 30, June 30, March 31, 2026 2025 2025 2025 2025 Income Statement Net interest income $ 99,863 $ 101,255 $ 99,890 $ 95,970 $ 88,221 Provision for credit losses 5,537 9,
Slide 18: Non-GAAP Reconciliation
Non-GAAP Reconciliation As of or For the Three Months Ended March 31, December 31, September 30, June 30, March 31, (dollars in thousands, except per share data) 2026 2025 2025 2025 2025 Net income and earnings per share excluding significant items Reported Net Income $ 37,579 $ 34,521 $ 37,200 $ 30
Slide 19: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended March 31, December 31, September 30, June 30, March 31, (dollars in thousands) 2026 2025 2025 2025 2025 Adjusted non-interest expense: Non-interest expense $ 57,189 $ 60,369 $ 60,518 $ 59,602 $ 56,429 Less: Merger-related expens
Slide 20: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended March 31, December 31, September 30, June 30, March 31, (dollars in thousands) 2026 2025 2025 2025 2025 Tangible common stockholders' equity: Total stockholders' equity $ 1,280,292 $ 1,267,906 $ 1,237,682 $ 1,192,416 $ 1,131,078
Slide 21: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended (dollars in thousands, except share and per share March 31, December 31, September 30, June 30, March 31, data, ratios annualized, where applicable) 2026 2025 2025 2025 2025 Pre-tax pre-provision return on average assets: Pre-ta
Slide 22: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended March 31, December 31, September 30, June 30, March 31, 2026 2025 2025 2025 2025 Tangible common equity to tangible assets: Tangible common equity $ 1,081,007 $ 1,067,386 $ 1,035,668 $ 988,908 $ 934,098 Tangible assets 9,710,395
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