← Back to Institutions
Byline Bank
Chicago, IL·FDIC Cert #20624·Charter: STATE·Est. 19720301.0·HC: BYLINE BCORP INC
Total Assets
$9.6B
Q4 2025
Return on Assets
1.47%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.77%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.47%+0.02
ROE
11.13%-0.02
Efficiency
49.77%-0.41
Equity/Assets
0.00%+0.00
NPL Ratio
0.96%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.44%+3.87
Charge-offs
0.39%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.5 | 1.5 |
| ROE | 11.8 | 11.6 | 11.5 | 11.3 | 10.2 | 10.4 | 11.2 | 11.1 |
| Efficiency | 50.3 | 50.1 | 50.0 | 50.5 | 52.2 | 51.4 | 50.2 | 49.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 0.9 | 1.0 | 0.9 | 0.8 | 0.9 | 0.9 | 1.0 |
| Charge-offs | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 90.8 | 92.2 | 90.3 | 90.9 | 91.6 | 92.4 | 92.6 | 96.4 |
Balance Sheet
Total Assets$9.6B
Total Deposits$7.7B
Total Loans$7.4B
Total Equity$1.4B
Profitability
ROA1.47%
ROE11.13%
Efficiency Ratio49.77%
Net Income$142.0M
Risk & Asset Quality
NPL Ratio0.96%
Charge-off Rate0.39%
Loan/Deposit96.44%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans