Byline Bancorp, Inc. · NYSE:BY

Byline Bancorp — Q4 2025 Earnings Presentation

24 slides from Byline Bancorp's earnings presentation, Jan 23, 2026

  1. Slide 1: 4Q25 Earnings Presentation

    By) Byline Bancorp, Inc” BY LISTED NYSE 4Q25 Earnings Presentation | || aaally sos

  2. 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

  3. Slide 3: Leading Chicago Commercial Banking Franchise

    Leading Chicago Commercial Banking Franchise Company Overview BY at a Glance ($mm) $1.3 Billion Market Cap(1) Size A leading Chicago-based commercial bank with the strength, scale, and product $9.7 Billion $7.5 Billion $7.6 Billion offerings to compete effectively in our markets—delivering value to

  4. Slide 4: 2025 Year in Review

    2025 Year in Review Delivered Successful Full Year 2025 Results  Reported net income of $130.1 million, or diluted EPS of $2.89, on record revenue(1) of $446.3 million  Solid PTPP ROA(1) of 2.19%, ROA of 1.36%, ROTCE(1) of 13.47%  Net interest margin of 4.22%, up 25 bps Y/Y  Delivered full year

  5. Slide 5: Fourth Quarter 2025 Highlights

    Fourth Quarter 2025 Highlights Net Income Diluted EPS PTPP ROAA $34.5 million $34.7 million $0.76 $0.76 2.32% 2.33% Reported Adjusted(1) Reported Adjusted(1) Reported(1)(2) Adjusted(1)(2) Efficiency Ratio ROAA ROTCE 50.32% 50.15% 1.41% 1.42% 12.97% 13.02% Reported Adjusted(1) Reported(2) Adjusted(1)

  6. Slide 6: Loan Portfolio Trends

    Loan Portfolio Trends ($ in millions) Total Loan Portfolio and Average Yield Highlights $7,354 $7,461 $7,523  Total loan portfolio stood at $7.5 billion, up 3.3%(1) from 3Q25 $6,910 $7,047  Originated $322.9 million in new loans, net of loan sales in 4Q25  Production driven by commercial banking

  7. Slide 7: Deposit Trends

    Deposit Trends ($ in millions) Deposit Composition Highlights $7,459 $7,553 $7,810 $7,828 $7,647  Total deposits were $7.6 billion, down 2.3% from 3Q25 5.8% 5.7% 5.9% 5.5% 5.5% 17.6% 15.6% 14.7% 14.3%  Decreases in time and non-interest-bearing demand deposits LQ 20.1%  Deposit mix shift drove lo

  8. Slide 8: 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  Net interest income was $101.3 million, up 1.4% from 3Q25 $96.0  Increase in NII driven by lower interest expense and $88.5 $88.2 reduced deposit costs  Net interest margin of 4.35%, up

  9. Slide 9: Non-Interest Income Trends

    Non-Interest Income Trends ($ in millions) Total Non-Interest Income Highlights $16.1 $15.8 $15.7 $14.9 $14.5  Non-interest income was $15.7 million, flat from 3Q25 15% 13% 21% 7% 21% 24% 9%  Lower gain on sale primarily due to lower premiums, 7% 8% 7% mix and timing of loans sold 44% 44% 34% 34%

  10. Slide 10: Non-Interest Expense Trends

    Non-Interest Expense Trends ($ in millions) Non-Interest Expense Highlights $59.6 $60.5 $60.4 $57.4 $56.4  Non-interest expense of $60.4 million, flat from 3Q25  Lower loan and lease related expenses  Lower data processing expenses  Higher incentive compensation  Efficiency ratio decreased 68 b

  11. Slide 11: Asset Quality Trends

    Asset Quality Trends ($ in millions) Net Charge-offs Allowance for Credit Losses (ACL) $108.8 $7.8 $7.7 $107.7 $105.7 $7.1 $6.7 $100.4 $6.6 $98.0 1.47% 1.45% 0.45% 0.43% 1.42% 1.43% 1.42% 0.39% 0.39% 0.36% $7.8 $6.6 $7.3 $4.9 $6.7 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2024 Q1 2025 Q2 2025 Q3 20

  12. Slide 12: Strong Capital Position

    Strong Capital Position Capital Ratios Strong Capital Base  Capital Priorities: 15.81% 15.34% 14.74% 14.86% 14.87% 1. Fund Organic Growth 2. Dividend 3. M&A 4. Buyback 10.78% 11.29% 9.61% 9.95% 10.39%  Increased capital ratios:  CET1 of 12.33%, up 18 bps LQ and up 63 bps Y/Y  TCE/TA(1) of 11.29%

  13. Slide 13: 4Q25 Appendix

    4Q25 Earnings Presentation Appendix

  14. Slide 14: 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) ~65% of Total Deposits are FDIC Insured $3.7 billion at 12/31/25 Total Franchise Customer Base 45 ~

  15. Slide 15: Strong Liquidity and Securities Portfolio

    Strong Liquidity and Securities Portfolio ($ in millions) Liquidity Position Highlights  Cash and cash equivalents of $149.1 million, down by $112.1 million, or 42.9% from 3Q25  Investment portfolio duration: 4.5 years; net of hedges: ~4.2 years  $1.4 billion investment portfolio all classified a

  16. Slide 16: 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 $108.9 million in SBC loan commitments in 4Q25 Unguaranteed $375.4 5.0%  SBA 7(a) portfolio $435.4 million,

  17. Slide 17: Projected Acquisition Accounting Accretion

    Projected Acquisition Accounting Accretion Projected Accretion(1) ($ in millions) $1.4 $1.3 $1.1 $1.1 Q1 2026 E 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. 17

  18. Slide 18: Financial Summary

    Financial Summary As of or For the Three Months Ended As of or For the Year Ended (dollars in thousands, except per share data) December 31, September 30, June 30, March 31, December 31, December 31, December 31, 2025 2025 2025 2025 2024 2025 2024 Income Statement Net interest income $ 101,255 $ 99,

  19. Slide 19: Non-GAAP Reconciliation

    Non-GAAP Reconciliation As of or For the Three Months Ended As of or For the Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, (dollars in thousands, except per share data) 2025 2025 2025 2025 2024 2025 2024 Net income and earnings per share excluding si

  20. Slide 20: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended As of or For the Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, (dollars in thousands) 2025 2025 2025 2025 2024 2025 2024 Adjusted non-interest expense: Non-interest expense $ 60,

  21. Slide 21: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended As of or For the Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, (dollars in thousands) 2025 2025 2025 2025 2024 2025 2024 Tangible common stockholders' equity: Total stockholders'

  22. Slide 22: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended As of or For the Year Ended (dollars in thousands, except share and per share December 31, September 30, June 30, March 31, December 31, December 31, December 31, data, ratios annualized, where applicable) 2025 2025 2025 2025 20

  23. Slide 23: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended As of or For the Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, 2025 2025 2025 2025 2024 2025 2024 Tangible common equity to tangible assets: Tangible common equity $ 1,067,386 $

  24. Slide 24: VAIN}

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