Revenue: As of FY2026 Q1, the actual value is USD 112.4 M.EPS: As of FY2026 Q1, the actual value is USD 0.83, beating the estimate of USD 0.748.EBIT: As of FY2026 Q1, the actual value is USD -44.65 M.Byline Bancorp, Inc. reported its financial results for the first quarter ended March 31, 2026, with comparisons primarily against the quarter ended December 31, 2025, unless specified otherwise .<h4>Operational Metrics</h4><ul><li>Net Income: $37.6 million .</li><li>Pre-Tax Pre-Provision Income: $55.2 million .</li><li>Pre-Tax Pre-Provision Return on Average Assets (PTPP ROAA): 2.29%, marking the 14th consecutive quarter exceeding 2.00% .</li><li>Return on Average Assets (ROAA): 1.56% .</li><li>Return on Average Tangible Common Equity (ROTCE): 13.77% .</li><li>Efficiency Ratio: 49.78%, an improvement of 54 basis points .</li><li>Non-interest expense / Average assets: 2.37%, down 10 basis points .</li><li>Net Interest Income: $99.9 million, representing a decrease of 1.4% from the previous quarter .</li><li>Net Interest Margin (FTE): 4.34%, stable at 4.33% .</li></ul><h4>Segment Revenue</h4><ul><li>Total Revenue: $112.4 million .</li><li>Non-Interest Income: $12.5 million, which was down from the previous quarter, primarily due to a - $1.9 million downward fair value mark on loan servicing assets and - $1.1 million lower fair value of equity securities; excluding these fair value marks, non-interest income remained stable .</li><li>Fees and service charges on deposits: increased by 4.3% .</li></ul><h4>Operating Costs</h4><ul><li>Non-Interest Expense: $57.2 million, a decrease of 5.3% from the previous quarter . This reduction was driven by a - $2.6 million decrease in salaries and employee benefits, a - $844,000 decrease in legal, audit, and other professional fees, and a - $822,000 decrease in advertising expense .</li></ul><h4>Unique Metrics</h4><ul><li>Total Assets: $9.9 billion .</li><li>Total Loans &amp; Leases: $7.5 billion, down slightly from the previous quarter .</li><li>Total Deposits: $7.8 billion, an annualized increase of 8.2% from the previous quarter .</li><li>Tangible Common Equity: $1.1 billion .</li><li>Market Capitalization: $1.4 billion .</li><li>Loan Originations: $241.0 million in new loans originated in 1Q26, with commercial banking production at $90.6 million and leasing production at $51.8 million .</li><li>Loan Payoff Activity: decreased by - $40.8 million from 4Q25 to $319.7 million .</li><li>Average Loan Yield: 6.84%, down 11 basis points from the previous quarter and 25 basis points year-over-year .</li><li>Average Cost of Deposits: 1.91%, a decrease of 6 basis points .</li><li>Cost of Interest-Bearing Deposits: decreased by 13 basis points to 2.48% .</li><li>Common Equity Tier 1 (CET1): 12.55%, up 22 basis points from the previous quarter and 77 basis points year-over-year .</li><li>Tangible Common Equity to Tangible Assets (TCE/TA): 11.13%, down 16 basis points from the previous quarter but up 118 basis points year-over-year .</li><li>Tangible Book Value per Common Share (TBV/Share): $23.79, up 1.5% from the previous quarter and 13.8% year-over-year .</li><li>Share Repurchases: 318,208 shares of common stock were repurchased during 1Q26 .</li><li>Cash and Cash Equivalents: $198.4 million, an increase of 33.0% from 4Q25 .</li><li>Available Borrowing Capacity: $2.4 billion .</li><li>Uninsured Deposits Ratio: 33.2% .</li><li>Government Guaranteed Loan Sales: $71.8 million of guaranteed loans were sold in 1Q26 .</li><li>SBA 7(a) Portfolio: $443.2 million, up 1.8% from 4Q25 .</li><li>ACL/Unguaranteed Loan Balance: approximately 8.0% .</li></ul><h4>Outlook / Guidance</h4>Byline Bancorp, Inc.’s growth strategy focuses on gaining market share in commercial banking, targeting lower middle market customers, and growing low-cost deposits to build a stable funding base . The company also plans to leverage acquisition expertise to supplement organic growth . Interest rate sensitivity projections estimate a decline in Net Interest Income (NII) of approximately $10 million or 2.6% if rates decrease by 100 basis points, and approximately $7 million or 1.8% for a 100 basis point ramp decrease over a one-year horizon .

Byline Bancorp | 8-K: FY2026 Q1 Revenue: USD 112.4 M