BYLINE BANCORP, INC. (BY) FY2025 10-K Annual Report
BYLINE BANCORP, INC. (BY) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
BYLINE BANCORP, INC. FY2025 10-K Analysis
Business Overview
- • Core business model: Regional commercial banking serving Illinois with deposit, lending, payment, and related financial services
- • Emphasis on regulatory compliance updates: extensive focus on new proposed FDIC/OCC rule defining “unsafe or unsound practice” based on material financial impact
- • Strategic shift: navigating evolving regulatory environment with FDIC deposit insurance assessments up 2 basis points since 2023, revised CRA rules and Illinois CR Act implementation
- • Quantitative metric: No specific financials disclosed, but notes bank asset size under $10B for key regulatory applicability thresholds
- • Noteworthy fact: CFPB’s Small Business Lending rule compliance delayed to July 1, 2026, with potential further extension to 2028 and narrowing of scope
Management Discussion & Analysis
- • Total loans and leases $7.51B, up $602.5M (8.7%) YoY; commercial & industrial loans grew 13.4% to $3.0B
- • Allowance for credit losses $108.8M, up 11.1% from $98.0M; ACL ratio 1.45% vs 1.42% of total loans
- • Best performing segment: commercial & industrial loans $3.0B (+13.4%); worst: construction, land development down 16.6% to $408.1M
- • Total assets $9.7B, up $156.1M (1.6%); liabilities down $20.3M; deposits up $188.8M (+2.5%); FHLB advances down $235M (-40.9%)
- • Management expects 2026 effective tax rate around 25%-27%; no impairment on investment securities despite $121.6M unrealized losses
Risk Factors
- • Regulatory risk from banking regulators requiring increased provisions for credit losses, potentially reducing net income and capital
- • Geographic concentration risk with $2.27B real estate loans primarily in Chicago metro area, vulnerable to local economic downturns
- • Operational reliance on third-party IT vendors for core banking and payment services, with replacement challenges and cost risks
- • Competition risk from banks offering higher deposit rates, raising Byline Bancorp’s interest expense and impacting net interest margin
- • Liquidity risk due to dependence on Byline Bank dividends limited to $241M without regulatory approval
BYLINE BANCORP, INC. FY2025 Key Financial MetricsXBRL
Revenue
$572M
▲ +1.1% YoY
Net Income
$130M
▲ +7.7% YoY
Net Margin
22.7%
▲ +139bp YoY
ROE
10.3%
▼ -81bp YoY
Total Assets
$9.7B
▲ +1.6% YoY
EPS (Diluted)
$2.89
▲ +5.1% YoY
Operating Cash Flow
$140M
▼ -19.9% YoY
Source: XBRL data from BYLINE BANCORP, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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