Byline Bank
Chicago, Illinois, Cook County
$9.9B in total assets, the 168th largest of 4,309 US banks and 5th of 328 headquartered in Illinois.
- FDIC certificate
- 20624
- Established
- 1972
- Owned by
- Byline Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.bylinebank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $9.9B | 98% | $2.7B | |
| Loans | $7.6B | 98% | $2.0B | |
| Deposits | $7.9B | 98% | $2.3B | |
| Return on assets | 1.64% | 84% | 1.39% | |
| Net interest margin | 4.53% | 96% | 3.53% | |
| Efficiency ratio | 46.6% | 29% | 51.3% | |
| Equity to assets | 14.08% | 98% | 9.97% | |
| Loans to deposits | 96% | 84% | 86% |
Growth
Total assets grew 8.7% a year over the last 5 years and 14.1% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2025 | First Security Trust and Savings Bank Elmwood Park, IL | $313M |
| Jul 2023 | INLAND BANK & TRUST Oak Brook, IL | $1.2B |
| Apr 2019 | Community Bank of Oak Park River Forest Oak Park, IL | $323M |
| May 2018 | First Bank & Trust Evanston, IL | $1.1B |
| Oct 2016 | Ridgestone Bank Brookfield, WI | $453M |
| Jun 2013 | Metrobank Berwyn, IL, an affiliate under the same holding company | $622M |
| Jun 2013 | Oswego Community Bank Oswego, IL, an affiliate under the same holding company | $194M |
| Jun 2013 | Plaza Bank, Norridge, Illinois Norridge, IL, an affiliate under the same holding company | $327M |
| Jun 2013 | Archer Bank Chicago, IL, an affiliate under the same holding company | $469M |
| Mar 2011 | The First Commercial Bank Chicago, IL, an affiliate under the same holding company | $269M |
| Mar 2011 | Edens Bank Wilmette, IL | $249M |
| Mar 2011 | Northwest Community Bank Rolling Meadows, IL, an affiliate under the same holding company | $64M |
Where they operate
50 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cook County, IL | $7.0B | 1.5% | 13 of 90 |
| Lake County, IL | $282M | 0.9% | 18 of 30 |
| Kendall County, IL | $205M | 7.3% | 5 of 13 |
| Dupage County, IL | $153M | 0.3% | 29 of 43 |
| Will County, IL | $127M | 0.5% | 21 of 34 |
| Milwaukee County, WI | $59M | 0.1% | 21 of 27 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 36 branches since 2016 (86 to 50, −41.9%). 3 opened, 22 acquired, 61 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 86 | |||
| 2016 | Acquired Ridgestone BankOpened Chicago, closed 27 in Illinois | 3 | 27 | −24 | 62 |
| 2017 | Closed Chicago | 0 | 1 | −1 | 61 |
| 2018 | Acquired First Bank & TrustOpened Libertyville, closed 8 in Illinois | 10 | 8 | +2 | 63 |
| 2019 | Acquired Community Bank of Oak Park River ForestClosed Skokie | 3 | 1 | +2 | 65 |
| 2020 | Closed 15 in Illinois | 0 | 15 | −15 | 50 |
| 2022 | Closed 6 in Illinois | 0 | 6 | −6 | 44 |
| 2023 | Acquired INLAND BANK & TRUSTOpened Wauwatosa, closed Brookfield | 9 | 1 | +8 | 52 |
| 2025 | Closed Chicago | 0 | 1 | −1 | 51 |
| 2026 through Q2 | Closed Hawthorn Woods | 0 | 1 | −1 | 50 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 28% | |
| Business (C&I) | 33% | 26% | |
| Multifamily | 6% | 9% | |
| Construction and land | 5% | 7% | |
| 1-4 family residential | 4% | 14% | |
| Consumer | 0% | 6% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 19% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 55% | |
| Noninterest-bearing | 24% | 21% | |
| Time deposits | 20% | 24% |
Brokered deposits are 8.9% of deposits (peers 7.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.82% | 0.49% |
| Net charge-offs, annualized | 0.28% | 0.07% |
| Reserves to loans | 1.48% | 1.07% |
| Leverage ratio | 12.88% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Cook County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/byline