Byline Bancorp, Inc. Reports Third Quarter 2025 Financial Results

About this update from Byline Bancorp, Inc.

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CEO/President Commentary ","length":24,"tagName":"p"},{"type":"text","content":"Roberto R. Herencia, Executive Chairman and CEO of Byline Bancorp, commented, "Building on the momentum of a strong second quarter, we are pleased to deliver record financial results this quarter as a public company, reflecting the underlying strength of our business. We continue to execute well on our strategic plans and remain focused on becoming the preeminent commercial bank in Chicago."","length":404,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"Alberto J. Paracchini, President of Byline Bancorp, added, "Third quarter results highlight the consistency of our execution and the strength of our commercial banking strategy. We delivered record earnings, strong profitability, margin expansion, and solid growth in loans, deposits, and fee revenue. I want to thank our employees for their continued dedication and contributions—they remain central to our success."","length":427,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:0.0px;","val":[{"type":"text","content":"(1) Represents non-GAAP financial measures. See "Reconciliation of non-GAAP Financial Measures" for a reconciliation to the most directly comparable GAAP financial measure.","length":182,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:0.0px;","val":[{"type":"text","content":"(2) Annualized.","length":15,"tagName":"p","attribs":{}}]}]}],"length":197},{"type":"text","content":" Board Declares Cash Dividend of $0.10 per Share ","length":47,"tagName":"p"},{"type":"text","content":"On October 21, 2025, the Company's Board of Directors declared a cash dividend of $0.10 per share. The dividend will be paid on November 18, 2025, to stockholders of record of the Company's common stock as of November 4, 2025.","length":234,"tagName":"p"},{"type":"text","content":" STATEMENTS OF OPERATIONS HIGHLIGHTS ","length":35,"tagName":"p"},{"type":"text","content":" Net Interest Income ","length":19,"tagName":"p"},{"type":"text","content":"Net interest income for the third quarter of 2025 was $99.9 million, an increase of $3.9 million, or 4.1%, from the second quarter of 2025. The increase in net interest income was primarily due to higher interest income reflecting growth in the loan and lease portfolio, and lower rates paid on deposits, offset by higher interest expense on other borrowings.","length":359,"tagName":"p"},{"type":"text","content":"Tax-equivalent net interest margin (1) for the third quarter of 2025 was 4.28%, an increase of nine basis points compared to the second quarter of 2025. The increase was primarily due to lower reliance on brokered time deposits and higher yields on loans and leases, offset by higher costs of borrowings. Net loan accretion income contributed 11 basis points to the net interest margin for the quarter, a two basis point decrease over the prior quarter.","length":452,"tagName":"p"},{"type":"text","content":"The average cost of total deposits was 2.16% for the third quarter of 2025, a decrease of 11 basis points compared to the second quarter of 2025, mainly as a result of a lower balances of, and rates paid on, brokered time deposits.","length":231,"tagName":"p"},{"type":"text","content":" Provision for Credit Losses ","length":27,"tagName":"p"},{"type":"text","content":"The provision for credit losses was $5.3 million for the third quarter of 2025, a decrease of $6.6 million compared to $11.9 million for the second quarter of 2025, mainly due to lower non-performing loans and leases, lower watch list and criticized loans, and higher recoveries compared to the prior quarter.","length":309,"tagName":"p"},{"type":"text","content":" Non-interest Income ","length":19,"tagName":"p"},{"type":"text","content":"Non-interest income for the third quarter of 2025 was $15.9 million, an increase of $1.4 million, or 9.5%, compared to $14.5 million for the second quarter of 2025. The increase in total non-interest income was primarily due to higher net gains on sales of loans. Net gains on sales of loans were $7.0 million for the current quarter, an increase of $1.6 million, or 28.9% compared to the prior quarter. During the third quarter of 2025, we sold $92.9 million of U.S. government guaranteed loans compared to $73.0 million during the second quarter of 2025.","length":556,"tagName":"p"},{"type":"text","content":" Non-interest Expense ","length":20,"tagName":"p"},{"type":"text","content":"Non-interest expense for the third quarter of 2025 was $60.5 million, an increase of $916,000 , or 1.5%, compared to $59.6 million for the second quarter of 2025. The increase in non-interest expense was mainly due to a $1.5 million increase in other non-interest expense driven primarily by a loss related to the extinguishment of subordinated debt issued in 2020. This was partially offset by a $967,000 decrease in legal, audit and other professional fees.","length":459,"tagName":"p"},{"type":"text","content":"Our efficiency ratio was 51.00% (1) for the third quarter of 2025, compared to 52.61% (1) for the second quarter of 2025, an improvement of 161 basis points. The improvement in the efficiency ratio was mainly driven by increased total revenues. Excluding significant items, our adjusted efficiency ratio was 50.27% (1) for the third quarter of 2025, compared to 48.20% (1) for the second quarter of 2025, an increase of 207 basis points. On an adjusted basis, non-interest expense increased $4.9 million compared to the second quarter of 2025, principally by higher incentive expense and increased health insurance in salaries and employee benefits.","length":645,"tagName":"p"},{"type":"text","content":" Income Taxes ","length":12,"tagName":"p"},{"type":"text","content":"We recorded income tax expense of $12.7 million during the third quarter of 2025, compared to $8.8 million during the second quarter of 2025. The effective tax rates were 25.5% and 22.7% for the third quarter of 2025 and second quarter of 2025, respectively. The increase in the effective tax rate was due to income tax benefits related to share-based compensation recorded in the second quarter.","length":396,"tagName":"p"},{"type":"text","content":" STATEMENTS OF FINANCIAL CONDITION HIGHLIGHTS ","length":44,"tagName":"p"},{"type":"text","content":" Assets ","length":6,"tagName":"p"},{"type":"text","content":"Total assets were $9.8 billion as of September 30, 2025, an increase of $92.2 million, or 0.9%, compared to $9.7 billion at June 30, 2025. The increase for the current quarter was mainly due to an increase in net loans and leases of $114.7 million driven by increases to the commercial and industrial loan portfolio, and an increase in cash and cash equivalents of $40.7 million. These were offset by a $63.0 million decrease in securities available-for-sale mainly due to principal paydowns of securities.","length":506,"tagName":"p"},{"type":"text","content":" Allowance for Credit Losses ","length":27,"tagName":"p"},{"type":"text","content":"The ACL was $105.7 million as of September 30, 2025, a decrease of $2.0 million, or 1.9%, from $107.7 million at June 30, 2025, mainly due to charge-offs of fully reserved loans. Net charge-offs of loans and leases during the third quarter of 2025 were $7.1 million, or 0.38% of average loans and leases, on an annualized basis. This was a decrease of $549,000 compared to net charge-offs of $7.7 million, or 0.43% of average loans and leases, during the second quarter of 2025. The decrease in net charge-offs for the quarter was primarily due to increased recoveries of previously charged-off loans.","length":601,"tagName":"p"},{"type":"text","content":" Asset Quality ","length":13,"tagName":"p"},{"type":"text","content":"Non-performing assets were $67.4 million, or 0.69% of total assets, as of September 30, 2025, a decrease of $5.1 million from $72.5 million, or 0.75% of total assets, at June 30, 2025. The decrease was primarily driven by charge-offs of reserved loans and the resolution of a large commercial real estate loan. The government guaranteed portion of non-performing loans included in non-performing assets was $8.4 million at September 30, 2025, compared to $8.8 million at June 30, 2025, a decrease of $402,000.","length":509,"tagName":"p"},{"type":"text","content":" Deposits and Other Liabilities ","length":30,"tagName":"p"},{"type":"text","content":"Total deposits increased $17.7 million, or 0.2% to $7.8 billion at September 30, 2025. The increase in deposits was mainly due to increases in non-interest-bearing demand accounts, mainly due to deposit shift and seasonality, offset by decreases to time deposits driven by decreased brokered time deposits.","length":306,"tagName":"p"},{"type":"text","content":"Total borrowings and other liabilities were $746.5 million at September 30, 2025, an increase of $29.2 million from $717.3 million at June 30, 2025. The increase was primarily driven by timing of subordinated debt issued during the third quarter and subsequent full redemption of $75.0 million of subordinated notes due 2030 on October 1, 2025.","length":344,"tagName":"p"},{"type":"text","content":" Stockholders’ Equity ","length":20,"tagName":"p"},{"type":"text","content":"Total stockholders’ equity was $1.2 billion at September 30, 2025, an increase of $45.3 million, or 3.8%, from June 30, 2025, primarily due to an increase in retained earnings from net income.","length":192,"tagName":"p"},{"type":"text","content":" Conference Call, Webcast and Slide Presentation ","length":47,"tagName":"p"},{"type":"text","content":"We will host a conference call and webcast at 9:00 a.m. Central Time on Friday, October 24, 2025, to discuss our quarterly financial results. Analysts and investors may participate in the question-and-answer session. The call can be accessed via telephone at (833) 470-1428; passcode 463912. A recorded replay can be accessed through November 7, 2025, by dialing (866) 813-9403; passcode: 194319.","length":396,"tagName":"p"},{"type":"text","content":"A slide presentation relating to our third quarter 2025 results will be accessible prior to the conference call. The slide presentation and webcast of the conference call can be accessed on our investor relations website at www.bylinebancorp.com .","length":246,"tagName":"p"},{"type":"text","content":" About Byline Bancorp, Inc. ","length":26,"tagName":"p"},{"type":"text","content":"Headquartered in Chicago, Byline Bancorp, Inc. is the parent company of Byline Bank, a full service commercial bank serving small- and medium-sized businesses, financial sponsors, and consumers. Byline Bank has approximately $9.8 billion in assets and operates 45 branch locations throughout the Chicago and Milwaukee metropolitan areas. Byline Bank offers a broad range of commercial and community banking products and services including small ticket equipment leasing solutions and is one of the top Small Business Administration lenders in the United States.","length":561,"tagName":"p"},{"type":"text","content":" Forward-Looking Statements ","length":26,"tagName":"p"},{"type":"text","content":"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 with respect to the anticipated future performance of the Company. These statements are often, but not always, made through the use of words or phrases such as ‘‘may’’, ‘‘might’’, ‘‘should’’, ‘‘could’’, ‘‘predict’’, ‘‘potential’’, ‘‘believe’’, ‘‘expect’’, ‘‘continue’’, ‘‘will’’, ‘‘anticipate’’, ‘‘seek’’, ‘‘estimate’’, ‘‘intend’’, ‘‘plan’’, ‘‘projection’’, ‘‘would’’, ‘‘annualized’’, "target" and ‘‘outlook’’, or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. Forward-looking statements involve estimates and known and unknown risks, and reflect various assumptions and involve elements of subjective judgment and analysis, which may or may not prove to be correct, and which are subject to uncertainties and contingencies outside the control of Byline and its respective affiliates, directors, employees and other representatives, which could cause actual results to differ materially from those presented in this communication.","length":1252,"tagName":"p"},{"type":"text","content":"No representations, warranties or guarantees are or will be made by Byline as to the reliability, accuracy or completeness of any forward-looking statements contained in this communication or that such forward-looking statements are or will remain based on reasonable assumptions. You should not place undue reliance on any forward-looking statements contained in this communication.","length":383,"tagName":"p"},{"type":"text","content":"Certain risks and important factors that could affect Byline’s future results are identified in our Annual Report on Form 10-K and other reports we file with the Securities and Exchange Commission, including among other things under the heading "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2024. Any forward-looking statement speaks only as of the date on which it is made, and Byline undertakes no obligation to update any forward-looking statement, whether to reflect events or circumstances after the date on which the statement is made, to reflect new information or the occurrence of unanticipated events, or otherwise unless required under the federal securities laws.","length":720,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"13","rowspan":"1","style":"padding-left:0.0px;text-align:center;list-style-position:inside;","val":[{"type":"text","content":" BYLINE BANCORP, INC. 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