Byline Bancorp anticipates crossing $10B asset threshold in Q1 2026 while maintaining strong capital and loan growth

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• Deposit outflows in DDA are driven by seasonality

  80% confidence

• Company is open to disciplined M&A deals that make sense, has capital to be opportunistic and believes it can deliver strong financial results without needing to force a deal

  80% confidence

• Noninterest income totaled $15.9 million in Q3, up 9.5% from last quarter, primarily due to $7 million gain on sale of loans driven by higher volumes

  80% confidence

• With market expectations of 2 Fed cuts in Q4, net interest income expected to be $97 million to $99 million

  80% confidence

• Fixed rate loan maturities for 2026 are roughly $750 million

  80% confidence

• Loans grew 6% linked quarter and 11% year-to-date, ending at $7.5 billion; deposits totaled $7.8 billion, up 1% linked quarter and 7% year-to-date

  80% confidence

• Commercial payments team focuses on businesses that originate a lot of ACH transactions and process payroll, with impact expected in 2026 and beyond

  80% confidence

• Company is actively looking at M&A opportunities while prioritizing funding bank growth and maintaining capital for opportunistic deals

  80% confidence

• During government shutdown, bank cannot sell and settle SBA loans and must hold them on balance sheet until government reopens

  80% confidence

• The quarter marked 12 consecutive quarters of very strong financial performance for Byline and highlights the consistency of execution, resiliency of business model and optionality and flexibility in operating model

  80% confidence

• Profitability metrics for the quarter were once again top quartile and credit quality continues to be stable to improving in some segments despite macroeconomic uncertainty, geopolitical tensions and government shutdown

  80% confidence

• The margin expanded 9 basis points from last quarter to 4.27%, supported by improved deposit mix and higher asset yields

  80% confidence

• Record net interest income of $99.9 million in Q3, up 4.1% from prior quarter, primarily due to organic loan growth and lower rates paid on deposits

  80% confidence

• Durbin Amendment impact estimated at $4.5 million to $5 million annually, not going into effect until July 1 of the year following crossing the threshold

  80% confidence

• Company anticipates crossing $10 billion asset threshold during Q1 2026, with Durbin and higher insurance assessments not taking effect until 2027

  80% confidence