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

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.

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 higher funding costs. Net loan accretion income contributed 11 basis points to the net interest margin for the quarter.

The average cost of total deposits was 1.92% for the second quarter of 2026, a modest increase of one basis point compared to the first quarter of 2026.

Provision for Credit Losses

The provision for credit losses was $7.2 million for the second quarter of 2026, an increase of $1.6 million, or 29.3%, compared to $5.5 million for the first quarter of 2026, mainly due to additional allocation on individually assessed loans and growth in the loan and lease portfolio.

Non-interest Income

Non-interest income for the second quarter of 2026 was $16.9 million, an increase of $4.3 million, or 34.6%, compared to $12.5 million for the first quarter of 2026. The increase in total non-interest income was principally driven by four factors: a $1.9 million favorable change in the fair value of equity securities, a $736,000 improvement in the fair value adjustment on loan servicing assets, $627,000 in higher net gains on sales of loans, and higher other non-interest income, primarily reflecting gains on sales of leased assets and swap fee income.

Net gains on sales of loans totaled $6.1 million for the quarter, an increase of $627,000, or 11.5%, compared to the prior quarter. During the second quarter of 2026, we sold $78.1 million of U.S. government guaranteed loans compared to $71.8 million during the first quarter of 2026.

Non-interest Expense

Non-interest expense for the second quarter of 2026 was $56.5 million, a decrease of $710,000, or 1.2%, compared to $57.2 million for the first quarter of 2026. The decrease in non-interest expense was primarily driven by a $673,000 decline in net losses recognized on other real estate owned, a $589,000 decrease in salaries and employee benefits expense, and a $380,000 decrease in occupancy and equipment expense, partially offset by a $496,000 impairment charge related to a closed branch held for sale and higher other non-interest expense.

Our efficiency ratio was 46.93%⁽¹⁾, and our adjusted efficiency ratio was 46.51%⁽¹⁾, each compared to 49.78%⁽¹⁾ for the first quarter of 2026, an improvement of 285 basis points and 327 basis points, respectively. The improvement in the efficiency ratio was driven by increased revenue and lower non-interest expense.

Income Taxes

We recorded income tax expense of $13.9 million during the second quarter of 2026, compared to $12.1 million during the first quarter of 2026. The effective tax rates were 25.7% and 24.4% for the second quarter of 2026 and first quarter of 2026, respectively. This increase was primarily driven by income tax benefits related to share-based compensation recorded in the prior quarter.

STATEMENTS OF FINANCIAL CONDITION HIGHLIGHTS

Assets

Total assets were $9.9 billion as of June 30, 2026, an increase of $22.8 million, or 0.2%, compared to $9.9 billion at March 31, 2026. The increase was primarily driven by a $67.1 million increase to loans and leases held for investment, largely in originated commercial and industrial loans, partially offset by a decrease in securities available-for-sale of $39.4 million, mainly due to principal paydowns.

Allowance for Credit Losses

The ACL was $111.9 million as of June 30, 2026, an increase of $3.0 million, or 2.7%, from March 31, 2026, mainly due to an increased provision for credit losses on individually assessed loans and lower net charge-offs on loans and leases.

Net loan and lease charge-offs during the second quarter of 2026 were $4.4 million, or 0.24% of average loans and leases on an annualized basis, a decrease of $1.5 million and eight basis points, compared to the first quarter of 2026. The decrease was primarily driven by higher recoveries compared to the prior quarter and lower charge-offs on government guaranteed loans.

Asset Quality

Non-performing assets were $72.2 million, or 0.73% of total assets, as of June 30, 2026, an increase of $2.1 million from March 31, 2026. The increase was primarily due to increased non-accrual loans and leases. The government guaranteed portion of non-performing loans included in non-performing assets was $8.1 million at June 30, 2026, compared to $7.7 million at March 31, 2026, an increase of $399,000.

Deposits and Other Liabilities

Total deposits increased $68.9 million, or 0.9% to $7.9 billion at June 30, 2026 from $7.8 billion as of March 31, 2026. The increase was primarily driven by growth in interest-bearing deposits.

Total borrowings and other liabilities were $757.5 million at June 30, 2026, a decrease of $70.1 million from $827.6 million at March 31, 2026. The decrease for the quarter was primarily driven by lower FHLB advances.

Stockholders’ Equity

Total stockholders’ equity was $1.3 billion at June 30, 2026, an increase of $23.9 million, or 1.9%, from March 31, 2026, primarily due to net income of $40.2 million, partially offset by share repurchases, dividends declared, and an increase in accumulated other comprehensive loss related to available-for-sale securities. During the quarter ended June 30, 2026, we repurchased 274,528 shares of our common stock.

Conference Call, Webcast and Slide Presentation

We will host a conference call and webcast at 9:00 a.m. Central Time on Friday, July 24, 2026, to discuss our quarterly financial results. Analysts and investors may participate in the question-and-answer session. The call can be accessed via telephone at (833) 461-5787; Meeting ID: 439 867 942.

A slide presentation relating to our second quarter 2026 results will be accessible prior to the conference call. The slide presentation and webcast of the conference call can be accessed on our investor relations website at www.bylinebancorp.com.

About Byline Bancorp, Inc.

Headquartered in Chicago, Byline Bancorp, Inc. is the parent company of Byline Bank, a full service commercial bank serving small- and medium-sized businesses, financial sponsors, and consumers. Byline Bank has approximately $9.9 billion in assets and operates 44 branch locations throughout the Chicago and Milwaukee metropolitan areas. Byline Bank offers a broad range of commercial and community banking products and services including small ticket equipment leasing solutions and is one of the top Small Business Administration lenders in the United States.

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 communication or that such forward-looking statements are or will remain based on reasonable assumptions. You should not place undue reliance on any forward-looking statements contained in this communication.

Certain risks and important factors that could affect Byline’s future results are identified in our Annual Report on Form 10-K and other reports we file with the Securities and Exchange Commission, including among other things under the heading "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2025. Any forward-looking statement speaks only as of the date on which it is made, and Byline undertakes no obligation to update any forward-looking statement, whether to reflect events or circumstances after the date on which the statement is made, to reflect new information or the occurrence of unanticipated events, or otherwise unless required under the federal securities laws.

BYLINE BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited)

	June 30,			March 31,			June 30,
(dollars in thousands)	2026			2026			2025
ASSETS
Cash and due from banks	$	77,159		$	62,341		$	75,114
Interest bearing deposits with other banks		116,400			136,027			143,258
Cash and cash equivalents		193,559			198,368			218,372
Equity and other securities, at fair value		7,476			9,561			10,759
Securities available-for-sale, at fair value		1,616,748			1,656,180			1,575,240
Restricted stock, at cost		18,777			20,615			18,649
Loans held for sale		21,518			9,686			25,814
Loans and leases:
Loans and leases		7,542,411			7,475,272			7,328,055
Allowance for credit losses - loans and leases		(111,861	)		(108,879	)		(107,727	)
Net loans and leases		7,430,550			7,366,393			7,220,328
Servicing assets, at fair value		19,291			18,942			18,797
Premises and equipment, net		55,981			57,317			59,544
Other real estate owned, net		3,153			2,890			4,946
Goodwill and other intangible assets, net		198,050			199,285			203,508
Bank-owned life insurance		109,414			108,481			105,714
Deferred tax assets, net		40,624			45,525			57,104
Accrued interest receivable and other assets		217,324			216,437			201,443
Total assets	$	9,932,465		$	9,909,680		$	9,720,218
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Non-interest-bearing demand deposits	$	1,826,739		$	1,818,981		$	1,773,229
Interest-bearing deposits		6,044,023			5,982,835			6,037,250
Total deposits		7,870,762			7,801,816			7,810,479
Other borrowings		460,449			504,520			414,110
Subordinated notes, net		73,967			73,938			74,127
Junior subordinated debentures issued to capital trusts, net		71,814			71,612			71,136
Accrued expenses and other liabilities		151,258			177,502			157,950
Total liabilities		8,628,250			8,629,388			8,527,802
STOCKHOLDERS’ EQUITY
Common stock		471			471			471
Additional paid-in capital		756,361			754,582			756,029
Retained earnings		712,588			677,854			583,170
Treasury stock		(78,627	)		(71,048	)		(57,015	)
Accumulated other comprehensive loss, net of tax		(86,578	)		(81,567	)		(90,239	)
Total stockholders’ equity		1,304,215			1,280,292			1,192,416
Total liabilities and stockholders’ equity	$	9,932,465		$	9,909,680		$	9,720,218

BYLINE BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)

	Three Months Ended
(dollars in thousands,	June 30,			March 31,			June 30,
except per share data)	2026			2026			2025
INTEREST AND DIVIDEND INCOME
Interest and fees on loans and leases	$	127,524		$	125,950		$	128,199
Interest on securities		14,426			13,589			13,907
Other interest and dividend income		2,356			2,117			2,433
Total interest and dividend income		144,306			141,656			144,539
INTEREST EXPENSE
Deposits		37,338			36,284			44,380
Other borrowings		3,273			2,658			1,396
Subordinated notes and debentures		2,859			2,851			2,781
Total interest expense		43,470			41,793			48,557
Net interest income		100,836			99,863			95,982
PROVISION FOR CREDIT LOSSES		7,162			5,537			11,923
Net interest income after provision for credit losses		93,674			94,326			84,059
NON-INTEREST INCOME
Fees and service charges on deposits		2,853			2,919			2,633
Loan servicing revenue		3,047			3,041			3,071
Loan servicing asset revaluation		(1,126	)		(1,862	)		(2,150	)
ATM and interchange fees		1,377			931			1,059
Net gains (losses) on sales of securities available-for-sale		21			—			(37	)
Change in fair value of equity securities, net		814			(1,099	)		83
Net gains on sales of loans		6,095			5,468			5,414
Wealth management and trust income		1,270			1,262			1,074
Other non-interest income		2,525			1,878			3,324
Total non-interest income		16,876			12,538			14,471
NON-INTEREST EXPENSE
Salaries and employee benefits		35,656			36,245			37,819
Occupancy and equipment expense, net		4,065			4,445			4,739
Impairment charge on assets held for sale		496			—			—
Loan and lease related expenses		752			929			938
Legal, audit, and other professional fees		3,231			3,244			4,843
Data processing		4,866			4,925			4,986
Net loss (gain) recognized on other real estate owned and other related expenses		137			810			(44	)
Other intangible assets amortization expense		1,235			1,235			1,499
Other non-interest expense		6,041			5,356			4,822
Total non-interest expense		56,479			57,189			59,602
INCOME BEFORE PROVISION FOR INCOME TAXES		54,071			49,675			38,928
PROVISION FOR INCOME TAXES		13,890			12,096			8,846
NET INCOME	$	40,181		$	37,579		$	30,082
EARNINGS PER COMMON SHARE
Basic	$	0.90		$	0.84		$	0.66
Diluted	$	0.90		$	0.83		$	0.66

BYLINE BANCORP, INC. AND SUBSIDIARIES SELECTED FINANCIAL DATA (unaudited)

	As of or For the Three Months Ended
(dollars in thousands, except share	June 30,			March 31,			June 30,
and per share data)	2026			2026			2025
Earnings per Common Share
Basic earnings per common share	$	0.90		$	0.84		$	0.66
Diluted earnings per common share	$	0.90		$	0.83		$	0.66
Adjusted diluted earnings per common share⁽¹⁾⁽³⁾	$	0.91		$	0.83		$	0.75
Weighted average common shares outstanding (basic)		44,596,967			44,739,433			45,306,240
Weighted average common shares outstanding (diluted)		44,789,192			45,045,804			45,484,392
Common shares outstanding		45,191,493			45,442,851			45,866,649
Cash dividends per common share	$	0.12		$	0.12		$	0.10
Dividend payout ratio on common stock		13.33	%		14.46	%		15.15	%
Book value per common share	$	28.86		$	28.17		$	26.00
Tangible book value per common share⁽¹⁾	$	24.48		$	23.79		$	21.56
Key Ratios and Performance Metrics (annualized where applicable)
Net interest margin		4.28	%		4.33	%		4.18	%
Net interest margin, fully taxable equivalent ⁽¹⁾⁽⁴⁾		4.29	%		4.34	%		4.19	%
Average cost of deposits		1.92	%		1.91	%		2.27	%
Efficiency ratio⁽¹⁾⁽²⁾		46.93	%		49.78	%		52.61	%
Adjusted efficiency ratio^(1)(2)(3)		46.51	%		49.78	%		48.20	%
Non-interest income to total revenues⁽¹⁾		14.34	%		11.15	%		13.10	%
Non-interest expense to average assets		2.29	%		2.37	%		2.48	%
Adjusted non-interest expense to average assets⁽¹⁾⁽³⁾		2.27	%		2.37	%		2.28	%
Return on average stockholders' equity		12.05	%		11.43	%		10.24	%
Adjusted return on average stockholders' equity⁽¹⁾⁽³⁾		12.16	%		11.43	%		11.51	%
Return on average assets		1.63	%		1.56	%		1.25	%
Adjusted return on average assets⁽¹⁾⁽³⁾		1.65	%		1.56	%		1.41	%
Pre-tax pre-provision return on average assets⁽¹⁾		2.49	%		2.29	%		2.12	%
Adjusted pre-tax pre-provision return on average assets⁽¹⁾⁽³⁾		2.51	%		2.29	%		2.32	%
Return on average tangible common stockholders' equity⁽¹⁾		14.47	%		13.77	%		12.83	%
Adjusted return on average tangible common stockholders' equity⁽¹⁾⁽³⁾		14.60	%		13.77	%		14.37	%
Non-interest-bearing deposits to total deposits		23.21	%		23.31	%		22.70	%
Loans and leases held for sale and loans and lease held for investment to total deposits		96.10	%		95.94	%		94.15	%
Deposits to total liabilities		91.22	%		90.41	%		91.59	%
Deposits per branch	$	178,881		$	173,374		$	173,566
Asset Quality Ratios
Non-performing loans and leases to total loans and leases held for investment, net before ACL		0.92	%		0.90	%		0.92	%
Total non-performing assets as a percentage of total assets		0.73	%		0.71	%		0.75	%
ACL to total loans and leases held for investment, net before ACL		1.48	%		1.46	%		1.47	%
Net charge-offs to average total loans and leases held for investment, net before ACL - loans and leases		0.24	%		0.32	%		0.43	%
Capital Ratios
Common equity to total assets		13.13	%		12.92	%		12.27	%
Tangible common equity to tangible assets⁽¹⁾		11.36	%		11.13	%		10.39	%
Leverage ratio		12.79	%		12.62	%		11.92	%
Common equity tier 1 capital ratio		12.92	%		12.55	%		11.85	%
Tier 1 capital ratio		13.88	%		13.51	%		12.83	%
Total capital ratio		15.96	%		15.55	%		14.87	%

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

(2) Represents non-interest expense less amortization of intangible assets divided by net interest income and non-interest income.

(3) Calculation excludes merger-related expenses, secondary public offering of common stock expenses, and impairment charges on assets held for sale.

(4) Interest income and rates include the effects of a tax equivalent adjustment to adjust tax exempt investment income on tax exempt investment securities to a fully taxable basis, assuming a federal income tax rate of 21%.

BYLINE BANCORP, INC. AND SUBSIDIARIES QUARTER-TO-DATE STATEMENT OF AVERAGE INTEREST-EARNING ASSETS AND AVERAGE INTEREST-BEARING LIABILITIES (unaudited)

	For the Three Months Ended
	June 30, 2026								March 31, 2026								June 30, 2025
(dollars in thousands)	Average Balance⁽⁵⁾			Interest Inc / Exp		Avg. Yield / Rate			Average Balance⁽⁵⁾			Interest Inc / Exp		Avg. Yield / Rate			Average Balance⁽⁵⁾			Interest Inc / Exp		Avg. Yield / Rate
ASSETS
Cash and cash equivalents	$	145,381		$	1,132		3.12	%	$	126,721		$	993		3.18	%	$	183,162		$	1,667		3.64	%
Loans and leases⁽¹⁾		7,472,818			127,524		6.84	%		7,469,281			125,950		6.84	%		7,220,834			128,199		7.12	%
Taxable securities		1,707,484			14,978		3.52	%		1,616,019			13,978		3.51	%		1,650,463			13,806		3.36	%
Tax-exempt securities⁽²⁾		131,354			850		2.60	%		135,211			931		2.79	%		154,719			1,098		2.85	%
Total interest-earning assets	$	9,457,037		$	144,484		6.13	%	$	9,347,232		$	141,852		6.15	%	$	9,209,178		$	144,770		6.31	%
Allowance for credit losses - loans and leases		(111,021	)							(109,375	)							(106,278	)
All other assets		536,969								559,975								530,917
TOTAL ASSETS	$	9,882,985							$	9,797,832							$	9,633,817
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Interest checking	$	1,050,011		$	5,048		1.93	%	$	908,602		$	3,776		1.69	%	$	820,341		$	3,551		1.74	%
Money market accounts		2,854,519			18,585		2.61	%		2,971,407			19,396		2.65	%		2,905,465			22,749		3.14	%
Savings		490,500			130		0.11	%		489,630			127		0.11	%		506,874			139		0.11	%
Time deposits		1,624,667			13,575		3.35	%		1,552,695			12,985		3.39	%		1,810,909			17,941		3.97	%
Total interest-bearing deposits		6,019,697			37,338		2.49	%		5,922,334			36,284		2.48	%		6,043,589			44,380		2.95	%
Other borrowings		442,187			3,273		2.97	%		427,551			2,642		2.51	%		298,916			1,396		1.87	%
Federal funds purchased		—			—		—			1,500			16		4.27	%		—			—		—
Subordinated notes and debentures		145,672			2,859		7.87	%		145,432			2,851		7.95	%		145,175			2,781		7.68	%
Total borrowings		587,859			6,132		4.18	%		574,483			5,509		3.89	%		444,091			4,177		3.77	%
Total interest-bearing liabilities	$	6,607,556		$	43,470		2.64	%	$	6,496,817		$	41,793		2.61	%	$	6,487,680		$	48,557		3.00	%
Non-interest-bearing demand deposits		1,792,439								1,791,132								1,802,639
Other liabilities		145,406								176,460								164,944
Total stockholders’ equity		1,337,584								1,333,423								1,178,554
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	9,882,985							$	9,797,832							$	9,633,817
Net interest spread⁽³⁾							3.49	%							3.54	%							3.31	%
Net interest income, fully taxable equivalent				$	101,014							$	100,059							$	96,213
Net interest margin, fully taxable equivalent^(2)(4)(6)							4.29	%							4.34	%							4.19	%
Less: Tax-equivalent adjustment					178		0.01	%					196		0.01	%					231		0.01	%
Net interest income				$	100,836							$	99,863							$	95,982
Net interest margin⁽⁴⁾							4.28	%							4.33	%							4.18	%

Net loan accretion impact on margin				$	2,476		0.11	%				$	1,971		0.09	%				$	2,978		0.13	%

(1) Loan and lease balances are net of deferred origination fees and costs and initial direct costs. Non-accrual loans and leases are included in total loan and lease balances.

(2) Interest income and rates include the effects of a tax equivalent adjustment to adjust tax exempt investment income on tax exempt investment securities to a fully taxable basis, assuming a federal income tax rate of 21%.

(3) Represents the average rate earned on interest-earning assets minus the average rate paid on interest-bearing liabilities.

(4) Represents net interest income (annualized) divided by total average earning assets.

(5) Average balances are average daily balances.

BYLINE BANCORP, INC. AND SUBSIDIARIES SELECTED BALANCE SHEET TABLES AND FINANCIAL RATIOS (unaudited)
The following table presents our allocation of originated, purchased credit deteriorated (PCD), and acquired non-credit-deteriorated loans and leases at the dates indicated:

	June 30, 2026						March 31, 2026						June 30, 2025
(dollars in thousands)	Amount			% of Total			Amount			% of Total			Amount			% of Total
Originated loans and leases:
Commercial real estate	$	2,303,785			30.5	%	$	2,307,557			30.9	%	$	2,184,187			29.8	%
Residential real estate		575,062			7.6	%		576,932			7.7	%		534,062			7.3	%
Construction, land development, and other land		344,578			4.6	%		342,099			4.6	%		416,118			5.6	%
Commercial and industrial		3,120,209			41.3	%		2,946,640			39.4	%		2,737,054			37.4	%
Installment and other		4,817			0.1	%		4,868			0.1	%		2,984			0.0	%
Leasing financing receivables		721,090			9.6	%		734,559			9.8	%		731,610			10.0	%
Total originated loans and leases	$	7,069,541			93.7	%	$	6,912,655			92.5	%	$	6,606,015			90.1	%
Purchased credit deteriorated loans:
Commercial real estate	$	59,161			0.8	%	$	66,801			0.9	%	$	84,747			1.2	%
Residential real estate		18,941			0.2	%		20,330			0.3	%		27,076			0.4	%
Construction, land development, and other land		2,674			0.0	%		2,662			0.0	%		2,487			0.0	%
Commercial and industrial		5,633			0.1	%		10,780			0.1	%		17,428			0.2	%
Installment and other		66			0.0	%		72			0.0	%		86			0.0	%
Total purchased credit deteriorated loans	$	86,475			1.1	%	$	100,645			1.3	%	$	131,824			1.8	%
Acquired non-credit-deteriorated loans and leases:
Commercial real estate	$	152,230			2.0	%	$	177,524			2.4	%	$	224,442			3.1	%
Residential real estate		148,709			2.0	%		155,623			2.1	%		172,570			2.4	%
Construction, land development, and other land		—			—			31,544			0.4	%		61,897			0.8	%
Commercial and industrial		80,537			1.1	%		91,192			1.2	%		113,609			1.6	%
Installment and other		4,919			0.1	%		6,089			0.1	%		17,698			0.2	%
Total acquired non-credit-deteriorated loans and leases	$	386,395			5.2	%	$	461,972			6.2	%	$	590,216			8.1	%
Total loans and leases	$	7,542,411			100.0	%	$	7,475,272			100.0	%	$	7,328,055			100.0	%
Allowance for credit losses - loans and leases		(111,861	)					(108,879	)					(107,727	)
Total loans and leases, net of allowance for credit losses - loans and leases	$	7,430,550					$	7,366,393					$	7,220,328

The following table presents the balance and activity within the allowance for credit losses - loans and lease for the periods indicated:

	Three Months Ended
	June 30,			March 31,			June 30,
(dollars in thousands)	2026			2026			2025
ACL - loans and leases, beginning of period	$	108,879		$	108,834		$	100,420
Adjustment for acquired PCD loans		—			—			3,206
Provision for credit losses - loans and leases		7,428			5,995			11,757
Net charge-offs - loans and leases		(4,446	)		(5,950	)		(7,656	)
ACL - loans and leases, end of period	$	111,861		$	108,879		$	107,727
Net charge-offs - loans and leases to average total loans and leases held for investment, net before ACL (annualized)		0.24	%		0.32	%		0.43	%
Provision for credit losses - loans and leases to net charge-offs - loans and leases during the period		1.67	x		1.01	x		1.54	x

BYLINE BANCORP, INC. AND SUBSIDIARIES

SELECTED BALANCE SHEET TABLES AND FINANCIAL RATIOS (unaudited)

The following table presents the amounts of non-performing loans and leases, other real estate owned, and past due loans and leases 90 days or more and still accruing interest, at the date indicated:

June 30, 2026

Change from

(dollars in thousands)

June 30, 2026

March 31, 2026

June 30, 2025

March 31, 2026

June 30, 2025

Non-performing assets: