| Metric | Byline Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +0.8% | +5.1% | -4.3 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.1 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 12.0% | 12.2% | -0.1 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.91B | $7.90B | $7.45B | $1.40B | $82.7M | 1.69% | 4.53% | 0.74% |
| Q1 2026 | $9.89B | $7.83B | $7.38B | $1.37B | $40.1M | 1.64% | 4.54% | 0.71% |
| Q4 2025 | $9.63B | $7.69B | $7.41B | $1.35B | $142.0M | 1.47% | 4.47% | 0.78% |
| Q3 2025 | $9.79B | $7.95B | $7.36B | $1.32B | $105.1M | 1.45% | 4.40% | 0.69% |
| Q2 2025 | $9.70B | $7.84B | $7.25B | $1.28B | $63.9M | 1.33% | 4.29% | 0.75% |
| Q1 2025 | $9.57B | $7.58B | $6.95B | $1.23B | $30.7M | 1.29% | 4.14% | 0.63% |
| Q4 2024 | $9.48B | $7.50B | $6.81B | $1.19B | $130.5M | 1.39% | 4.18% | 0.71% |
| Q3 2024 | $9.41B | $7.53B | $6.80B | $1.20B | $98.8M | 1.41% | 4.18% | 0.76% |
Loan mix (Q2 2026): real estate $3.61B · commercial $2.48B · consumer $9.8M · securities $1.62B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Byline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 59.0% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Byline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Byline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Byline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Byline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.