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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Byline Bank

Chicago, Illinois · $9.91B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

14.1%
Equity / assets
1st of 12
95.7%
Loans / deposits
10th of 12
128.8%
CRE / capital
3rd of 12

Byline Bank is the largest of the 12 Illinois banks nearest its size between $3B and $10B, with $9.91B in assets at 30 June 2026. Loans are 95.7% of deposits, 10th of 12 against a median of 90.4%, and equity is 14.1% of assets, the highest in the cohort. Loans grew +2.9% in the year, 9th of 12, and deposits grew 0.8%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.93% of the book, 9th of 12 against a median of 0.59%; 0.59% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.27% of loans, 9th of 12. Commercial real estate is 23.3% of loans, 4th of 12 against a median of 31.6%, and 129% of capital, below the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.66%, 4th of 12 against a median of 1.50%, on an efficiency ratio of 47.6%, 5th of 12. Five years ago it was 1.59%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsIL banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.1% BB Byline Bank 14.1% OS Old Second National Bank 13.5% HB Heartland Bank & Trust Co. 13.1% FM First Mid Bank & Trust N.A. 11.8% WB Wintrust Bank National Association 11.6% BB Barrington Bank & Trust Co. N.A. 10.2% HB Hinsdale Bank & Trust Co. N.A. 10.1% LF Lake Forest Bank & Trust Co. N.A. 9.5% MC Morton Community Bank 9.4% MS Midland States Bank 9.2% NB Northbrook Bank & Trust Co. N.A. 8.3% FA First American Bank 8.1%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% BB Byline Bank +2.9% WB Wintrust Bank National Association +0.4% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Byline Bank is the 1st largest 7(a) lender into Illinois of 537, with $2.39B across 2,427 loans, 15.8% of everything approved in the state (Byline Bank leads with $2.39B). 360 of its 785 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$1.26B1st of 28219.1%-3.0 pts
Dupage, IL$338M1st of 18817.4%-5.8 pts
Lake, IL$243M1st of 16022.0%+10.2 pts
Milwaukee, WI$199M1st of 14415.3%-10.1 pts
Los Angeles, CA$159M30th of 3080.8%-0.7 pts
Waukesha, WI$129M2nd of 12211.3%-10.6 pts
Will, IL$123M1st of 14515.0%+2.3 pts
Kane, IL$109M1st of 14113.7%-4.2 pts
Orange, CA$82M27th of 2561.1%-1.1 pts
Maricopa, AZ$82M25th of 3031.1%-0.8 pts
Marion, IN$75M3rd of 1724.5%-1.0 pts
Dane, WI$74M2nd of 1419.1%-4.4 pts
Mchenry, IL$70M1st of 10815.3%+3.3 pts
772 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade1,157$1.23B17.0%2.03%8th of 2,589
Accommodation & food services1,211$1.19B16.4%1.55%6th of 2,596
Manufacturing703$909M12.5%2.29%5th of 2,246
Health care & social assistance476$523M7.2%1.10%15th of 2,172
Finance & insurance493$475M6.5%6.67%2nd of 1,111
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Byline Bank
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Byline BankRankCohort median
Total CRE against capital, the 300% screen129%3rd of 12185%
Construction against capital, the 100% screen25%3rd of 1234%
Construction and land development, share of loans4.6%4th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans12.7%5th of 1214.7%
Total CRE, the guidance definition, share of loans23.3%4th of 1231.6%
CRE growth over 36 months, the third prong+17.6%5th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Byline Bank$9.91B1.7%47.6%0.93%0.27%1.5%95.7%14.1%
Wintrust Bank National Association$9.57B2.0%45.5%0.36%0.24%1.0%96.0%11.6%
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Byline BankCohort median
20212026Change20212026Change
Loans$4.49B$7.56B+68%$2.79B$4.89B+75%
Deposits$5.16B$7.90B+53%$4.35B$5.65B+30%
NPA / loans1.19%0.93%-0.26 pts0.62%0.59%-0.03 pts
Efficiency52.6%47.6%-5.0 pts55.9%51.5%-4.4 pts
ROA1.59%1.66%+0.07 pts1.42%1.50%+0.08 pts

This read was prepared for Byline Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Byline Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $3B to $10B
Institution www.bylinebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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