Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Q2 2026 Earnings Presentation
22 slides from Byline Bancorp's earnings presentation, Jul 23, 2026
Slide 1: 2Q26 Earnings Presentation
Exhibit 99.2 2Q26 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) $1.7 Billion Market Cap(1) Size A Chicago-based commercial bank with the strength, scale, and product offerings $9.9 Billion $7.6 Billion $7.9 Billion to compete effectively in our markets—delivering value to stockhol
Slide 4: Second Quarter 2026 Highlights
Second Quarter 2026 Highlights Net Income Diluted EPS PTPP ROAA $40.2 million $40.5 million $0.90 $0.91 2.49% 2.51% Reported Adjusted(1) Reported Adjusted(1) Reported(1)(2) Adjusted(1)(2) Efficiency Ratio ROAA ROTCE 46.93% 46.51% 1.63% 1.65% 14.47% 14.60% Reported Adjusted(1) Reported(2) Adjusted(1)
Slide 5: Loan Portfolio Trends
Loan Portfolio Trends ($ in millions) Total Loan Portfolio and Average Yield Highlights $7,354 $7,461 $7,523 $7,485 $7,564 Total loan portfolio stood at $7.6 billion, up 4.2%(1) from 1Q26 Originated $233.7 million in new loans, net of loan sales in 2Q26 Commercial banking and leasing productio
Slide 6: Deposit Trends
Deposit Trends ($ in millions) Deposit Composition Highlights $7,810 $7,828 $7,647 $7,802 $7,871 Total deposits were $7.9 billion, up 3.5%(1) from 1Q26 5.9% 5.5% 5.5% 5.6% 5.9% 15.6% 14.7% 14.3% 15.0% 14.6% Increase primarily driven by growth in interest-bearing deposits Deposits costs increas
Slide 7: Net Interest Income and Net Interest Margin Trends
Net Interest Income and Net Interest Margin Trends ($ in millions) Net Interest Income Highlights $99.9 $101.3 $99.9 $100.8 Net interest income was $100.8 million, up 1.0% from 1Q26 $96.0 Increase driven by day count, partially offset by higher funding costs Net interest margin of 4.28%, down
Slide 8: Non-Interest Income Trends
Non-Interest Income Trends ($ in millions) Total Non-Interest Income Highlights $16.9 $15.8 $15.7 Non-interest income totaled $16.9 million, up 34.6% from 1Q26, reflecting: $14.5 19% $12.5 28% $1.9 million delta on the change in fair value of equity securities 27% 31% 9% 14% 8% 8% 10% FV mark
Slide 9: Non-Interest Expense Trends
Non-Interest Expense Trends ($ in millions) Non-Interest Expense Highlights $59.6 $60.5 $60.4 Non-interest expense of $56.5 million, down 1.2% from 1Q26, reflecting: $57.2 $56.5 Lower OREO expense due to fewer write-downs Lower salaries and employee benefits expenses, driven by lower payroll t
Slide 10: Asset Quality Trends
Asset Quality Trends ($ in millions) Net Charge-offs Allowance for Credit Losses (ACL) $111.9 $107.7 $108.8 $108.9 $7.7 $7.1 $105.7 $6.7 $6.0 $4.4 1.47% 1.48% 1.45% 1.46% 0.43% 0.39% 1.42% 0.36% $7.3 0.32% $4.9 $6.7 0.24% $6.0 $4.4 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q2 2025 Q3 2025 Q4 2025 Q1 2
Slide 11: Strong Capital Position
Strong Capital Position Capital Ratios Strong Capital Base Capital Priorities: 15.81% 15.34% 15.55% 15.96% 14.87% Fund Organic Growth Dividend M&A Buyback 10.78% 11.29% 11.13% 11.36% 10.39% Increased capital ratios: CET1 of 12.92%, up 37 bps LQ and up 107 bps Y/Y TCE/TA(1) of 11.36%,
Slide 12: 2Q26 Appendix
2Q26 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 $3.7 billion at 6/30/26 Total Franchise Customer Base 44 ~1
Slide 14: Ample Liquidity and Securities Portfolio
Ample Liquidity and Securities Portfolio ($ in millions) Liquidity Position Highlights Cash and cash equivalents of $193.6 million Investment portfolio duration: 4.5 years; net of hedges: ~4.3 years $1.6 billion investment portfolio all classified as AFS Investment portfolio annual cash flow
Slide 15: Government-Guaranteed Lending
Government-Guaranteed Lending ($ in millions) On Balance Sheet SBA 7(a) & USDA Loans Highlights ($ in millions) $ Balance % of Portfolio Since 2016, the unguaranteed government-guaranteed exposure has Unguaranteed $383.7 5.0% decreased from 14.6% down to 5.4% in 2Q26 Guaranteed 58.4 0.8% Total SBA
Slide 16: Financial Summary
Financial Summary As of or For the Three Months Ended (dollars in thousands, except per share data) June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Income Statement Net interest income $ 100,836 $ 99,863 $ 101,255 $ 99,890 $ 95,982 Provision for credit losses 7,162 5,
Slide 17: Non-GAAP Reconciliation
Non-GAAP Reconciliation As of or For the Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollars in thousands, except per share data) 2026 2026 2025 2025 2025 Net income and earnings per share excluding significant items Reported Net Income $ 40,181 $ 37,579 $ 34,521 $ 37,
Slide 18: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollars in thousands) 2026 2026 2025 2025 2025 Adjusted non-interest expense: Non-interest expense $ 56,479 $ 57,189 $ 60,369 $ 60,518 $ 59,602 Less: Merger-related expense
Slide 19: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollars in thousands) 2026 2026 2025 2025 2025 Tangible common stockholders' equity: Total stockholders' equity $ 1,304,215 $ 1,280,292 $ 1,267,906 $ 1,237,682 $ 1,192,416
Slide 20: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended (dollars in thousands, except share and per share June 30, March 31, December 31, September 30, June 30, data, ratios annualized, where applicable) 2026 2026 2025 2025 2025 Pre-tax pre-provision return on average assets: Pre-tax
Slide 21: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) As of or For the Three Months Ended June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Tangible common equity to tangible assets: Tangible common equity $ 1,106,165 $ 1,081,007 $ 1,067,386 $ 1,035,668 $ 988,908 Tangible assets 9,734,41
Slide 22: VAIN}
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