The bank's equity-to-assets ratio of 0.13 provides a stable capital buffer, though the reduction in cash and equivalents to $62.3 million in 2026Q1 suggests tightening liquidity as the firm scales its $9.9 billion asset base.
| Cash & Short Term Investments | 4.93B | 1.47B | 1.73B | 1.57B | 1.35B | 1.61B | 1.53B | 1.27B | 939.52M | 641.59M | 655.09M | 812.62M |
| Cash & Due from Banks | 62.34M | 60.18M | 563.14M | 226.14M | 179.35M | 157.93M | 83.42M | 80.74M | 121.86M | 58.35M | 46.53M | 44.88M |
| Short Term Investments | 1.66B | 1.41B | 1.17B | 1.34B | 1.17B | 1.45B | 1.45B | 1.19B | 817.66M | 583.24M | 608.56M | 767.73M |
| Total Investments | 1.66B | 1.41B | 7.55B | 7.32B | 6.08B | 5.69B | 5.55B | 4.82B | 4.26B | 2.82B | 2.79B | 2.1B |
| Investments Growth % | -145.22% | -81.39% | 3.16% | 20.31% | 6.87% | 2.53% | 15.18% | 13.26% | 50.74% | 1.37% | 32.64% | - |
| Long-Term Investments | 15.02B | 0 | 6.39B | 5.98B | 4.91B | 4.24B | 4.11B | 3.63B | 3.44B | 2.24B | 2.18B | 1.33B |
| Accounts Receivables | 0 | 0 | 40.65M | 43.92M | 29.82M | 18.88M | 20.68M | 13.28M | 10.86M | 7.67M | 6.87M | 5.32M |
| Goodwill & Intangibles | 199.28M | 200.52M | 198.1M | 203.48M | 158.89M | 165.56M | 172.63M | 180.25M | 161.6M | 71.32M | 71.8M | 48.01M |
| Goodwill | 199.28M | 200.52M | 181.71M | 181.71M | 148.35M | 148.35M | 148.35M | 148.35M | 128.18M | 54.56M | 51.98M | 25.69M |
| Intangible Assets | 0 | 0 | 16.39M | 21.77M | 10.53M | 17.2M | 24.28M | 31.9M | 33.42M | 16.76M | 19.83M | 22.33M |
| PP&E (Net) | 57.32M | 57.99M | 70.3M | 79.1M | 68.15M | 74.19M | 86.73M | 96.14M | 97.68M | 95.22M | 102.07M | 115.17M |
| Other Assets | 0 | 0 | 269.84M | 266.66M | 246.83M | 168.46M | 68.45M | 70.91M | 62.24M | 48.79M | 56.49M | 46.95M |
| Total Current Assets | 1.72B | 1.47B | 2.52B | 2.31B | 1.91B | 2B | 1.92B | 1.5B | 1.15B | 863.24M | 820.92M | 937.49M |
| Total Non-Current Assets | 302.13M | 300.29M | 6.98B | 6.58B | 5.45B | 4.7B | 4.47B | 4.02B | 3.8B | 2.5B | 2.47B | 1.54B |
| Total Assets | 9.91B | 9.65B | 9.5B | 8.88B | 7.36B | 6.7B | 6.39B | 5.52B | 4.94B | 3.37B | 3.3B | 2.48B |
| Asset Growth % | 10.05% | 1.64% | 6.92% | 20.63% | 9.96% | 4.78% | 15.73% | 11.72% | 46.83% | 2.13% | 32.9% | - |
| Return on Assets (ROA) | 1.43% | 1.36% | 1.31% | 1.33% | 1.25% | 1.42% | 0.63% | 1.09% | 0.99% | 0.65% | 2.31% | -0.6% |
| Accounts Payable | 0 | 0 | 21.11M | 22.23M | 4.49M | 262K | 1.48M | 3.68M | 3.48M | 1.31M | 2.43M | 1.07M |
| Total Debt | 659.29M | 564.95M | 774.65M | 553.78M | 765.82M | 645.77M | 385.79M | 576.97M | 495.93M | 420.34M | 378.54M | 75.37M |
| Net Debt | 596.95M | 504.76M | 211.51M | 327.64M | 586.47M | 487.84M | 302.37M | 496.24M | 374.07M | 361.99M | 332.01M | 30.49M |
| Long-Term Debt | 145.55M | 564.95M | 731.6M | 487.65M | 736.03M | 600.42M | 343.79M | 527.33M | 461.77M | 389.15M | 340.64M | 62.71M |
| Short-Term Debt | 506.95M | 0 | 32.11M | 51.86M | 15.4M | 29.72M | 41.99M | 49.64M | 34.17M | 31.19M | 37.9M | 12.66M |
| Other Liabilities | 7.97B | 3.06B | 150.64M | 138.81M | 0 | 0 | 371.91M | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 506.95M | 4.76B | 7.51B | 7.25B | 5.85B | 5.24B | 4.87B | 4.24B | 3.83B | 2.52B | 2.57B | 2.23B |
| Total Non-Current Liabilities | 8.12B | 3.62B | 893.18M | 640.73M | 750.42M | 616.05M | 715.7M | 527.33M | 461.77M | 389.15M | 340.64M | 62.71M |
| Total Liabilities | 8.63B | 8.38B | 8.41B | 7.89B | 6.6B | 5.86B | 5.59B | 4.77B | 4.29B | 2.91B | 2.91B | 2.29B |
| Total Equity | 1.28B | 1.27B | 1.09B | 990.15M | 765.82M | 836.38M | 805.46M | 750.12M | 650.67M | 458.58M | 382.66M | 188.27M |
| Equity Growth % | 57.68% | 16.16% | 10.24% | 29.29% | -8.44% | 3.84% | 7.38% | 15.28% | 41.89% | 19.84% | 103.25% | - |
| Equity / Assets (Capital Ratio) | 12.92% | 13.14% | 11.49% | 11.15% | 10.4% | 12.49% | 12.6% | 13.58% | 13.16% | 13.62% | 11.61% | 7.59% |
| Return on Equity (ROE) | 11.2% | 11.02% | 11.6% | 12.29% | 10.98% | 11.3% | 4.82% | 8.14% | 7.43% | 5.16% | 23.38% | -7.95% |
| Book Value per Share | 28.19 | 27.91 | 24.89 | 24.48 | 20.43 | 21.80 | 21.02 | 19.75 | 19.03 | 16.65 | 15.24 | 7.50 |
| Tangible BV per Share | 23.80 | 23.50 | 20.37 | 19.45 | 16.20 | 17.48 | 16.52 | 15.00 | 14.31 | 14.06 | 12.38 | 5.59 |
| Common Stock | 471K | 471K | 455K | 451K | 389K | 387K | 384K | 379K | 361K | 292K | 311.99M | 193.73M |
| Additional Paid-in Capital | 754.58M | 760.7M | 717.76M | 710.49M | 598.3M | 593.75M | 587.16M | 580.97M | 546.85M | 391.59M | 313.55M | 1.04M |
| Retained Earnings | 677.85M | 645.72M | 533.9M | 429.04M | 335.79M | 271.68M | 191.1M | 159.03M | 102.52M | 61.35M | 50.93M | -15.8M |
| Accumulated OCI | -81.57M | -73.08M | -113.69M | -100.12M | -117.55M | -8.3M | 18.05M | -700K | -9.5M | -5.09M | -7.27M | -5.71M |
| Treasury Stock | -71.05M | -65.91M | -46.94M | -49.71M | -51.11M | -31.57M | -1.67M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 10.44M | 10.44M | 10.44M | 10.44M | 10.44M | 25.44M | 15M |
Liquidity and concentration risk
As reported in financial statements, Byline's total assets grew to $9.9 billion in 2026Q1, reflecting a consistent expansionary trajectory that appears driven by the integration of Inland Bancorp and a strategic focus on scaling the bank's commercial and industrial loan portfolio within the Chicago market.
The steady increase in total assets suggests that management is successfully executing its buy-and-build strategy to capture greater market share. However, investors should monitor whether this rapid asset growth, particularly in commercial real estate, may eventually pressure the bank's capital ratios if organic capital generation does not keep pace.
Based on Byline's reported figures, cash and equivalents plummeted to $62.3 million in 2026Q1 from $730.5 million in 2024Q2, indicating a significant reduction in on-balance-sheet liquidity as the bank aggressively deployed capital into its loan book and investment securities portfolio.
This sharp decline in cash reserves warrants further investigation, as it may limit the bank's flexibility to navigate unexpected deposit outflows or sudden market volatility. The reliance on a larger securities portfolio to manage liquidity suggests a potential duration mismatch that could expose the bank to interest rate risk if market conditions shift.
According to recent SEC filings, Byline maintained an equity-to-assets ratio of 0.13 in 2026Q1, a level that appears adequate to support current operations but suggests limited room for further aggressive balance sheet expansion without additional capital raises or improved internal earnings retention.
The stability of the equity-to-assets ratio over the last several quarters implies a disciplined approach to capital management despite the integration of recent acquisitions. Nevertheless, the bank's relatively thin capital cushion may leave it vulnerable to credit shocks, particularly given the specialized and higher-risk nature of its sponsor finance and SBA lending verticals.
As indicated by the bank's geographic footprint, Byline's heavy reliance on the Chicago-Naperville-Elgin MSA for both deposits and commercial lending creates a concentrated risk profile that may disproportionately impact the balance sheet if local economic conditions, particularly in commercial real estate, experience a downturn.
While the bank's niche expertise in SBA and sponsor finance provides a competitive moat, this specialization also creates a dependency on specific regulatory and economic environments. Investors should monitor whether the bank's geographic and product concentration could lead to heightened volatility in non-performing loans during periods of regional economic stress.
Quick answers to the most common questions about buying BY stock.
As of 2025, Byline Bancorp, Inc. (BY) had total assets of $9.65B including $1.47B in current assets.
Byline Bancorp, Inc. (BY) carries total debt of $564.9M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Byline Bancorp, Inc. (BY) has total shareholders' equity (book value) of $1.27B ($27.91 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Byline Bancorp, Inc. (BY) reported a current ratio of 0.31x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.