--- title: "Byline Bancorp | 10-K: FY2025 Revenue: USD 446.27 M" type: "news" locale: "en" url: "https://longbridge.com/en/news/277256094.md" published_at: "2026-02-27T22:25:10.000Z" --- # Byline Bancorp | 10-K: FY2025 Revenue: USD 446.27 M 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. #### Overall Company Performance (Year Ended December 31, 2025) - **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. - **Total Assets**: Total assets increased by $156.1 million (1.6%) to $9.7 billion from $9.5 billion in 2024. - **Total Deposits**: Total deposits increased by $188.8 million (2.5%) to $7.6 billion from $7.5 billion in 2024. - **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. - **Total Stockholders’ Equity**: Total stockholders’ equity increased by $176.4 million (16.2%) to $1.3 billion from $1.1 billion in 2024. - **Return on Average Assets**: The return on average assets was 1.36%, up from 1.31% in 2024. - **Return on Average Stockholders’ Equity**: The return on average stockholders’ equity was 10.86%, compared to 11.61% in 2024. - **Average Cost of Deposits**: The average cost of deposits was 2.17% for the year ended December 31, 2025. - **Net Interest Margin**: The net interest margin was 4.22%, an increase of 25 basis points from 3.97% in 2024. - **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. - **Non-Interest Expense**: Non-interest expense increased by $18.1 million (8.3%) to $236.9 million, compared to $218.8 million in 2024. - **Efficiency Ratio**: The efficiency ratio improved to 51.83% from 52.45% in 2024. - **Goodwill**: Goodwill stood at $181.9 million as of December 31, 2025. - **Servicing Assets**: Servicing assets were $19.2 million as of December 31, 2025. - **Net Loan Accretion Income**: Net loan accretion income decreased by $3.1 million to $10.4 million from $13.5 million in 2024. - **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. - **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. #### Operational Metrics by Business Line (as of December 31, 2025) - **Commercial & Industrial (C&I) Loans Outstanding**: C&I loans outstanding reached $3.3 billion. - **Commercial Real Estate (CRE) Loans Outstanding**: CRE loans outstanding totaled $1.4 billion. - **Sponsor Finance Loans Outstanding**: Sponsor finance loans outstanding were $805.9 million. - **Loan Syndications Outstanding**: Loan syndications outstanding amounted to $183.8 million. - **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. - **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. - **Trust and Wealth Management**: Assets under administration for trust and wealth management were $823.2 million. - **Commercial Deposits**: Commercial deposits accounted for 43.0% of total deposits and 85.1% of non-interest bearing deposits. - **Core Deposits**: Core deposits represented 87.0% of total deposits. - **Deposits per Branch**: Deposits per branch were $169,943. #### Outlook / Guidance 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. ### Related Stocks - [BY.US - Byline Bancorp](https://longbridge.com/en/quote/BY.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Main Street 资本｜10-K：2025 财年营收 5664 亿美元超过预期 | | [Link](https://longbridge.com/en/news/277229568.md) | | 圣乔｜8-K：2025 财年 Q4 营收 1.29 亿美元 | | [Link](https://longbridge.com/en/news/276939400.md) | | 能源回收公司｜8-K：2025 财年 Q4 营收 66.87 百万美元不及预期 | | [Link](https://longbridge.com/en/news/276938216.md) | | Matador 资源｜10-K：2025 财年营收 36.96 亿美元 | | [Link](https://longbridge.com/en/news/277035101.md) | | Safety Insurance｜10-K：2025 财年营收 12.64 亿美元 | | [Link](https://longbridge.com/en/news/277236836.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.