Revenue: As of FY2025, the actual value is USD 446.27 M.EPS: As of FY2025, the actual value is USD 2.89, beating the estimate of USD 2.8367.<h4>Overall Company Performance (Year Ended December 31, 2025)</h4><ul><li>Net Income: Byline Bancorp, Inc. reported net income of $130.1 million, an increase of $9.3 million (7.7%) compared to $120.8 million in 2024. </li><li>Total Assets: Total assets increased by $156.1 million (1.6%) to $9.7 billion from $9.5 billion in 2024. </li><li>Total Deposits: Total deposits increased by $188.8 million (2.5%) to $7.6 billion from $7.5 billion in 2024. </li><li>Total Borrowings and Other Liabilities: Total borrowings and other liabilities decreased by $209.1 million (22.1%) to $737.3 million from $946.4 million in 2024. </li><li>Total Stockholders’ Equity: Total stockholders’ equity increased by $176.4 million (16.2%) to $1.3 billion from $1.1 billion in 2024. </li><li>Return on Average Assets: The return on average assets was 1.36%, up from 1.31% in 2024. </li><li>Return on Average Stockholders’ Equity: The return on average stockholders’ equity was 10.86%, compared to 11.61% in 2024. </li><li>Average Cost of Deposits: The average cost of deposits was 2.17% for the year ended December 31, 2025. </li><li>Net Interest Margin: The net interest margin was 4.22%, an increase of 25 basis points from 3.97% in 2024. </li><li>Provision for Credit Losses: Provision for credit losses increased by $9.1 million to $36.1 million, compared to $27.0 million in 2024, primarily due to loan and lease portfolio growth and higher non-performing loans. </li><li>Non-Interest Expense: Non-interest expense increased by $18.1 million (8.3%) to $236.9 million, compared to $218.8 million in 2024. </li><li>Efficiency Ratio: The efficiency ratio improved to 51.83% from 52.45% in 2024. </li><li>Goodwill: Goodwill stood at $181.9 million as of December 31, 2025. </li><li>Servicing Assets: Servicing assets were $19.2 million as of December 31, 2025. </li><li>Net Loan Accretion Income: Net loan accretion income decreased by $3.1 million to $10.4 million from $13.5 million in 2024. </li><li>Non-Performing Loans and Leases / Total Loans and Leases Held for Investment: This ratio was 0.95% as of December 31, 2025, compared to 0.90% in 2024. </li><li>Total Non-Performing Assets as a Percentage of Total Assets: This ratio was 0.77% as of December 31, 2025, compared to 0.71% in 2024. </li></ul><h4>Operational Metrics by Business Line (as of December 31, 2025)</h4><ul><li>Commercial &amp; Industrial (C&amp;I) Loans Outstanding: C&amp;I loans outstanding reached $3.3 billion. </li><li>Commercial Real Estate (CRE) Loans Outstanding: CRE loans outstanding totaled $1.4 billion. </li><li>Sponsor Finance Loans Outstanding: Sponsor finance loans outstanding were $805.9 million. </li><li>Loan Syndications Outstanding: Loan syndications outstanding amounted to $183.8 million. </li><li>Small Business Capital (SBA and USDA Loans): Total loans and leases in this segment were $533.0 million, with $97.8 million guaranteed by the U.S. government. The total unpaid principal balances of SBA and USDA loans serviced for others was $1.6 billion. </li><li>Small Ticket Equipment Leasing (BFG): BFG had $752.3 million in leases outstanding with a weighted average life of approximately 3.1 years. The average lease size at origination for BFG was approximately $84,000 for the year ended December 31, 2025. </li><li>Trust and Wealth Management: Assets under administration for trust and wealth management were $823.2 million. </li><li>Commercial Deposits: Commercial deposits accounted for 43.0% of total deposits and 85.1% of non-interest bearing deposits. </li><li>Core Deposits: Core deposits represented 87.0% of total deposits. </li><li>Deposits per Branch: Deposits per branch were $169,943. </li></ul><h4>Outlook / Guidance</h4>Byline Bancorp, Inc. anticipates its effective tax rate for 2026 to be between 25% and 27%. The company expects loan accretion income to continue declining as acquired loans mature, assuming no further acquisitions. Byline Bancorp, Inc. projects exceeding $10 billion in total consolidated assets in the future based on its current growth trajectory, which would lead to increased regulatory and supervisory requirements.

Byline Bancorp | 10-K: FY2025 Revenue: USD 446.27 M