BY

EX-99.1

2 by-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

Byline Bancorp, Inc. Reports Second Quarter 2026 Financial Results

Second quarter net income of $40.2 million, $0.90 diluted earnings per share

Chicago, IL, July 23, 2026 – Byline Bancorp, Inc. (NYSE: BY), today reported:

At or for the quarter

Second Quarter Highlights

(compared to 1Q26 unless specified)

2Q26

1Q26

2Q25

Financial Results ($ in thousands)

• Delivered strong quarterly results, reflecting

Net interest income (NII)

$

100,836

$

99,863

$

95,982

record revenues and solid growth

Non-interest income

16,876

12,538

14,471

Total revenue(1)

117,712

112,401

110,453

• Adjusted EPS(1) of $0.91, up 9.6% LQ and 21.3% Y/Y

Non-interest expense (NIE)

56,479

57,189

59,602

Pre-tax pre-provision net income (PTPP)(1)

61,233

55,212

50,851

• ROAA of 1.63%; ROTCE(1) of 14.47%

Provision for credit losses

7,162

5,537

11,923

Provision for income taxes

13,890

12,096

8,846

• PTPP ROAA of 2.49%(1), 15th consecutive

Net income

$

40,181

$

37,579

$

30,082

quarter greater than 2.00%

Per Share

• TBV per common share of $24.48(1), up 2.9% LQ

Diluted earnings per share (EPS)

$

0.90

$

0.83

$

0.66

and 13.6% Y/Y

Dividends declared per common share

0.12

0.12

0.10

Book value per common share

28.86

28.17

26.00

Income Statement

Tangible book value per common share(1)

24.48

23.79

21.56

• Net interest income of $100.8 million, up 1.0%

Balance Sheet & Credit Quality ($ in thousands)

• Non-interest income of $16.9 million, up 34.6%,

Total deposits

$

7,870,762

$

7,801,816

$

7,810,479

including higher GOS volume and FV marks

Total loans and leases

7,563,929

7,484,958

7,353,869

Net charge-offs

4,446

5,950

7,656

• Non-interest expense of $56.5 million, down 1.2%

Allowance for credit losses (ACL)

111,861

108,879

107,727

ACL to total loans and leases held for investment

1.48%

1.46%

1.47%

• Adjusted efficiency ratio(1) improved 327 bps

to 46.51%, best as a public company

Select Ratios (annualized where applicable)

Efficiency ratio(1)

46.93%

49.78%

52.61%

Balance Sheet

Return on average assets (ROAA)

1.63%

1.56%

1.25%

• Total assets stood at $9.9 billion, up 0.2%

Return on average stockholders' equity

12.05%

11.43%

10.24%

Return on average tangible common equity(1)

14.47%

13.77%

12.83%

• Total deposits grew $68.9 million, or 3.5%(2)

Net interest margin (NIM)

4.28%

4.33%

4.18%

Common equity to total assets

13.13%

12.92%

12.27%

• Total loans and leases grew $79.0 million, or 4.2%(2)

Tangible common equity to tangible assets(1)

11.36%

11.13%

10.39%

Common equity tier 1

12.92%

12.55%

11.85%

• Total payout ratio(3): 35.9%

CEO/President Commentary

Roberto R. Herencia, Executive Chairman and CEO of Byline Bancorp, commented, "Our second quarter results reflect the strength of our franchise and disciplined execution, highlighted by strong operating fundamentals resulting in our Board's decision to increase our dividend by 16.7%. We remain confident in our ability to continue to build on our market position as we pursue our objective of becoming the preeminent commercial bank in Chicago. I want to thank our employees, who are fundamental to our success and the long-term value we create for our stockholders."

Alberto J. Paracchini, President of Byline Bancorp, added, "We are pleased with our excellent operating performance for the quarter and first half of the year, with EPS increasing by 8% linked quarter and 36% year-over-year, which reflects stable balance sheet trends, consistent credit quality, and disciplined expense management. Our business continued to perform well, and we enter the second half of 2026 with good momentum."

(1) Represents non-GAAP financial measures. See “Reconciliation of non-GAAP Financial Measures” for a reconciliation to the most directly comparable GAAP financial measure.

(2) Annualized.

(3) Total payout ratio is inclusive of dividends and share repurchases.

Byline Bancorp, Inc.

Page 2 of 13

Board Declares Cash Dividend of $0.14 per Share

On July 21, 2026, the Company's Board of Directors declared a cash dividend of $0.14 per share, which represents a 16.7% increase from the previous quarterly dividend of $0.12 per share. The dividend will be paid on August 18, 2026, to stockholders of record of the Company's common stock as of August 4, 2026.

STATEMENTS OF OPERATIONS HIGHLIGHTS

Net Interest Income

Net interest income for the second quarter of 2026 was $100.8 million, an increase of $973,000, or 1.0%, from the first quarter of 2026. The increase in net interest income was primarily due to one additional calendar day, partially offset by higher interest expense related to increased funding costs.

Tax-equivalent net interest margin(1) for the second quarter of 2026 was 4.29%, a decrease of five basis points compared to the first quarter of 2026. The decrease primarily reflected modest compression in earning asset yields and

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8-K

0001702750false00017027502026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 22, 2026

BYLINE BANCORP, INC.

(Exact Name of Registrant as Specified in Its Charter)

Delaware (State or Other Jurisdiction of Incorporation)

001-38139

36-3012593

(Commission File Number)

(I.R.S. Employer Identification No.)

180 North LaSalle Street, Suite 300

Chicago, Illinois

60601

(Address of Principal Executive Offices)

(Zip Code)

(773) 244-7000 (Registrant’s Telephone Number, Including Area Code) Not Applicable (Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock

BY

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.

Results of Operations and Financial Condition.

On January 22, 2026, Byline Bancorp, Inc., (“Byline" or the "Company”) issued a press release announcing its financial results for the fourth quarter ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 and is incorporated herein by reference.

On January 22, 2026, the Company made available on its website a slide presentation regarding the Company’s fourth quarter 2025 financial results, which will be used as part of a publicly accessible conference call on January 23, 2026. A copy of the slide presentation is attached as Exhibit 99.2 and is incorporated herein by reference. The information included in Item 2.02 this Current Report on Form 8-K (including the information in the attached exhibits 99.1 and 99.2) is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in any such filing.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

Fourth Quarter 2025 financial results press release, dated January 22, 2026

99.2

Slide Presentation regarding fourth quarter 2025 financial results

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

Forward-Looking Statements

This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, made through the use of words or phrases such as ‘‘may’’, ‘‘might’’, ‘‘should’’, ‘‘could’’, ‘‘predict’’, ‘‘potential’’, ‘‘believe’’, ‘‘expect’’, ‘‘continue’’, ‘‘will’’, ‘‘anticipate’’, ‘‘seek’’, ‘‘estimate’’, ‘‘intend’’, ‘‘plan’’, ‘‘projection’’, ‘‘would’’, ‘‘annualized’’, “target” and ‘‘outlook’’, or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. Forward-looking statements involve estimates and known and unknown risks, and reflect various assumptions and involve elements of subjective judgment and analysis, which may or may not prove to be correct, and which are subject to uncertainties and contingencies outside the control of Byline and its respective affiliates, directors, employees and other representatives, which could cause actual results to differ materially from those presented in this communication.

No representations, warranties or guarantees are or will be made by Byline as to the reliability, accuracy or completeness of any forward-looking statements contained in this communicati