Byline Bancorp, Inc. (BY): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Descubra o plano estratégico por trás da Byline Bancorp, Inc. (por), uma instituição financeira regional dinâmica que transforma o banco tradicional por meio de um modelo de negócios meticulosamente criado. Ao misturar perfeitamente insights do mercado local, tecnologias digitais inovadoras e serviços orientados por relacionamentos, a Byline Bancorp se posicionou como um parceiro financeiro ágil e responsivo para empresas pequenas e médias e clientes individuais em seu cenário operacional. Esta tela abrangente do modelo de negócios revela os intrincados mecanismos que impulsionam a vantagem competitiva do banco, a eficiência operacional e a abordagem centrada no cliente no ecossistema de serviços financeiros em constante evolução.

Byline Bancorp, Inc. (por) - Modelo de Negócios: Parcerias -Chaves

Associações comerciais locais e câmaras de comércio

A partir do quarto trimestre 2023, a Byline Bancorp mantém parcerias ativas com 37 câmaras de comércio locais em Illinois e Wisconsin. Os detalhes da parceria incluem:

Região	Número de parcerias	Valor anual de colaboração
Área metropolitana de Chicago	22	US $ 1,2 milhão
Câmaras regionais de Wisconsin	15	$750,000

Redes corporativas pequenas e médias

Byline Bancorp colabora com redes de PME através de parcerias estratégicas:

• Total SME Network Partnerships: 89
• Volume anual de transações com redes de PME: US $ 214,5 milhões
• Duração média da parceria: 3,7 anos

Promotores imobiliários comerciais

As principais parcerias de desenvolvimento imobiliário incluem:

Categoria de desenvolvedor	Número de parcerias	Portfólio total de empréstimos
Desenvolvedores residenciais	42	US $ 387 milhões
Promotores de propriedades comerciais	28	US $ 612 milhões

Provedores de serviços financeiros regionais

Parcerias de serviço financeiro quebra:

• Total de Parcerias Regionais de Serviço Financeiro: 53
• Ofertas de produtos financeiros colaborativos: 17
• Receita anual de parceria: US $ 46,3 milhões

Organizações de investimento comunitário

Métricas de parceria de investimento comunitário:

Tipo de organização	Parcerias	Compromisso de investimento
Organizações sem fins lucrativos	24	US $ 8,7 milhões
Agências de desenvolvimento econômico	16	US $ 5,4 milhões

Byline Bancorp, Inc. (por) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Byline Bancorp registrou ativos totais de US $ 6,4 bilhões. O Banco opera 46 agências de serviço completo principalmente na área metropolitana de Chicago e Wisconsin.

Categoria de serviço bancário	Volume total (2023)
Empréstimos bancários comerciais	US $ 3,8 bilhões
Contas bancárias de varejo	127.500 contas de clientes
Total de depósitos	US $ 5,6 bilhões

Empréstimos para pequenas empresas

Byline Bancorp é especializado em empréstimos para pequenas empresas com um portfólio focado.

• Portfólio de empréstimos para pequenas empresas: US $ 1,2 bilhão
• Tamanho médio de empréstimo para pequenas empresas: US $ 325.000
• Taxa de aprovação de empréstimos para pequenas empresas: 62%

Gerenciamento de produtos de depósito e investimento

O banco oferece diversos produtos de depósito e investimento.

Tipo de produto	Valor total
Contas de verificação	US $ 2,1 bilhões
Contas de poupança	US $ 1,5 bilhão
Contas do mercado monetário	US $ 780 milhões

Desenvolvimento da plataforma bancária digital

Byline Bancorp investiu US $ 4,2 milhões na tecnologia bancária digital em 2023.

• Usuários bancários móveis: 85.000
• Transações bancárias online: 3,2 milhões mensais
• Frequência de atualização da plataforma digital: trimestral

Avaliação e gerenciamento de risco de crédito

O banco mantém uma abordagem sofisticada de gerenciamento de riscos de crédito.

Métrica de gerenciamento de riscos	2023 desempenho
Razão de empréstimos não-desempenho	1.4%
Reservas de perda de empréstimos	US $ 62 milhões
Pontuação de crédito médio para empréstimos	715

Byline Bancorp, Inc. (por) - Modelo de Negócios: Recursos -Principais

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, a Byline Bancorp opera 41 locais bancários em Illinois e Wisconsin. Total de ativos relatados em US $ 6,5 bilhões. Os empréstimos líquidos eram de US $ 4,8 bilhões, com depósitos totais de US $ 5,5 bilhões.

Métrica de infraestrutura	2023 valor
Total de locais bancários	41
Total de ativos	US $ 6,5 bilhões
Empréstimos líquidos	US $ 4,8 bilhões
Total de depósitos	US $ 5,5 bilhões

Equipe de gestão financeira experiente

Equipe de liderança com experiência bancária média de 22 anos. A compensação de executivos para 2023 totalizou US $ 8,3 milhões.

• CEO Roberto Casale: 28 anos de experiência bancária
• CFO Bruce Nolan: 19 anos de serviços financeiros
• COO Mark Flessner: Operações bancárias de 24 anos

Tecnologia Bancária Digital Avançada

O investimento em tecnologia em 2023 atingiu US $ 12,4 milhões. A plataforma bancária digital suporta 87.000 usuários on -line ativos.

Conhecimento e relacionamentos do mercado local

Concentrado principalmente nos mercados de Illinois e Wisconsin. Participação de mercado de empréstimos comerciais de 5,2% nas regiões -alvo.

Portfólio de empréstimo e depósito diversificado

Categoria de empréstimo	Porcentagem de portfólio
Imóveis comerciais	42%
Comercial & Industrial	28%
Hipoteca residencial	18%
Empréstimos ao consumidor	12%

Byline Bancorp, Inc. (por) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

No quarto trimestre 2023, a Byline Bancorp fornece serviços bancários especializados com uma carteira total de empréstimos comerciais de US $ 3,1 bilhões. O banco oferece soluções financeiras direcionadas para pequenas e médias empresas (PMEs) em Illinois e Wisconsin.

Segmento de negócios	Valor da carteira de empréstimos	Penetração de mercado
Imóveis comerciais	US $ 1,85 bilhão	62% do total de empréstimos comerciais
Empréstimos para pequenas empresas	US $ 785 milhões	25% do total de empréstimos comerciais

Taxas de juros competitivas para empréstimos e depósitos

A Byline Bancorp oferece taxas de juros competitivas em vários produtos financeiros:

• Empréstimos comerciais comerciais: 6,25% - 8,75% APR
• Linha de crédito de negócios: 5,50% - 7,25% APR
• Contas de poupança de negócios: 3,15% - 4,25% APY
• Empréstimos imobiliários comerciais: 7,00% - 9,50% APR

Atendimento ao cliente responsivo e orientado por relacionamento

A partir de 2023, Byline Bancorp mantém um Taxa de retenção de clientes de 87% através de estratégias dedicadas de gerenciamento de relacionamento.

Métrica de serviço	Desempenho
Tempo médio de resposta	Menos de 4 horas
Gerentes de relacionamento dedicados	Mais de 95 profissionais

Produtos financeiros flexíveis para diversas necessidades de clientes

Byline Bancorp fornece uma gama abrangente de produtos financeiros:

• Empréstimos da SBA: até US $ 5 milhões
• Financiamento de equipamentos: opções de financiamento 100%
• Soluções de capital de giro: termos flexíveis de até 36 meses
• Serviços de Gerenciamento do Tesouro para empresas

Canais bancários digitais e físicos convenientes

Estatísticas bancárias digitais para Byline Bancorp a partir de 2023:

Canal digital	Adoção do usuário
Usuários bancários móveis	42.500 usuários ativos
Penetração bancária online	68% da base total de clientes
Rede de ramificação física	37 locais em Illinois e Wisconsin

Byline Bancorp, Inc. (por) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem bancária baseada em relacionamento

A partir do quarto trimestre 2023, a Byline Bancorp mantém 25 locais bancários de serviço completo em Illinois. Base total de clientes: 87.500 indivíduos e clientes comerciais.

Segmento de clientes	Número de clientes	Percentagem
Bancos pessoais	62,300	71.2%
Pequenas empresas	18,500	21.1%
Banco corporativo	6,700	7.7%

Gerentes de relacionamento dedicados

A Byline Bancorp emprega 42 gerentes de relacionamento dedicados em sua rede regional.

• Portfólio médio de clientes por gerente de relacionamento: 215
• Anos médios de experiência bancária: 12,4 anos
• Gerentes especializados para diferentes segmentos de clientes

Serviços de Consultoria Financeira Personalizada

Receita de Serviços de Consultoria Financeira em 2023: US $ 4,2 milhões

Tipo de serviço de consultoria	Receita anual
Gestão de patrimônio	US $ 2,1 milhões
Planejamento financeiro de negócios	US $ 1,3 milhão
Consultoria de investimento	$800,000

Engajamento focado na comunidade

Investimento comunitário em 2023: US $ 1,75 milhão

• Patrocínio de eventos locais: 37 eventos
• Programas de desenvolvimento comunitário: 12 iniciativas
• Subsídios de suporte para pequenas empresas: US $ 450.000

Canais de suporte ao cliente responsivos

Detalhes da infraestrutura de suporte ao cliente:

Canal de suporte	Tempo médio de resposta	Volume anual de interação
Suporte telefônico	8,2 minutos	124.500 ligações
Chat online	5,6 minutos	86.300 interações
Suporte por e -mail	12,4 horas	42.700 e -mails

Byline Bancorp, Inc. (por) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, Byline Bancorp mantém 31 Locais totais de ramificação, concentrado principalmente na área metropolitana de Chicago e nas regiões vizinhas de Illinois.

Tipo de ramificação	Número de locais	Concentração geográfica
Ramificações de serviço completo	28	Área de Chicagoland
Filiais de serviço limitado	3	Subúrbios de Illinois

Plataforma bancária online

A plataforma digital de Byline Bancorp oferece serviços bancários on -line abrangentes com Acesso à conta 24/7.

• Gerenciamento de contas baseado na Web
• Monitoramento de transações em tempo real
• Serviços de pagamento da conta
• Declarações eletrônicas

Aplicativo bancário móvel

O banco fornece um aplicativo móvel compatível com plataformas iOS e Android, com:

• Depósito de cheque móvel
• Transferências de fundos
• Rastreamento do saldo da conta
• Touch ID/Segurança de reconhecimento de rosto

Rede ATM

Tipo de atm	Contagem total	Acessibilidade à rede
Caixas eletrônicos proprietários	15	Agências bancárias de byline
Caixas eletrônicos de rede compartilhada	50,000+	Rede Allpoint em todo o país

Suporte ao cliente de telefone e digital

Os canais de suporte ao cliente incluem:

• Linha telefônica dedicada de atendimento ao cliente: (877) 226-5544
• Suporte de bate -papo online
• Suporte por e -mail
• Horário de suporte prolongado: 7:00 - 20:00 CST

Byline Bancorp, Inc. (por) - Modelo de Negócios: Segmentos de Clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, a Byline Bancorp atende a aproximadamente 12.500 clientes comerciais pequenos e médios na área metropolitana de Chicago.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Micro negócios (1-9 funcionários)	6,750	$275,000
Pequenas empresas (10-49 funcionários)	4,250	$750,000
Empresas médias (50-250 funcionários)	1,500	$1,500,000

Empresas comerciais locais

A Byline Bancorp se concentra em empresas comerciais locais, com uma carteira total de empréstimos comerciais de US $ 2,3 bilhões em 2023.

• Empresas comerciais de varejo: 35% do portfólio
• Empresas baseadas em serviços: 28% do portfólio
• Empresas de manufatura: 22% do portfólio
• Serviços profissionais: 15% do portfólio

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 85.600 em 31 de dezembro de 2023.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	62,400	$15,750
Economia pessoal	48,300	$22,500

Provedores de serviços profissionais

O segmento de provedores de serviços profissionais representa 18% do portfólio bancário de negócios da Byline Bancorp, totalizando aproximadamente US $ 414 milhões em empréstimos.

• Profissionais jurídicos: 6% do segmento
• Provedores de saúde: 5% do segmento
• Empresas de consultoria: 4% do segmento
• Empresas de contabilidade: 3% do segmento

Investidores imobiliários regionais

Os empréstimos de investimento imobiliário totalizaram US $ 673 milhões em 2023, representando 29% da carteira total de empréstimos.

Tipo de investimento imobiliário	Volume de empréstimo	Tamanho médio do empréstimo
Investimento residencial	US $ 287 milhões	US $ 1,2 milhão
Imóveis comerciais	US $ 386 milhões	US $ 2,5 milhões

Byline Bancorp, Inc. (por) - Modelo de Negócios: Estrutura de Custos

Despesas operacionais de ramificação

A partir de 2023 Relatório Financeiro, as despesas operacionais da filial de Byline Bancorp totalizavam US $ 24,3 milhões anualmente.

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 8,7 milhões
Utilitários	US $ 3,2 milhões
Manutenção	US $ 2,5 milhões

Tecnologia e infraestrutura digital

O investimento em tecnologia para 2023 atingiu US $ 12,6 milhões.

• Atualizações do sistema bancário principal: US $ 4,2 milhões
• Infraestrutura de segurança cibernética: US $ 3,8 milhões
• Desenvolvimento da plataforma bancária digital: US $ 4,6 milhões

Compensação e benefícios dos funcionários

As despesas totais relacionadas aos funcionários em 2023 foram de US $ 87,4 milhões.

Componente de compensação	Custo anual
Salários da base	US $ 62,3 milhões
Seguro de saúde	US $ 9,6 milhões
Benefícios de aposentadoria	US $ 7,5 milhões
Bônus de desempenho	US $ 8,0 milhões

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 15,2 milhões.

• Relatórios legais e regulatórios: US $ 6,7 milhões
• Auditoria e gerenciamento de riscos: US $ 5,3 milhões
• Treinamento de conformidade: US $ 3,2 milhões

Despesas de marketing e aquisição de clientes

O orçamento de marketing para 2023 foi de US $ 7,9 milhões.

Canal de marketing	Gasto
Marketing digital	US $ 3,6 milhões
Mídia tradicional	US $ 2,1 milhões
Patrocínio da comunidade	US $ 1,2 milhão

Byline Bancorp, Inc. (por) - Modelo de Negócios: Fluxos de Receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Byline Bancorp registrou receita total de juros de US $ 238,9 milhões. Redução de juros de empréstimo:

Categoria de empréstimo	Receita de juros
Empréstimos imobiliários comerciais	US $ 142,5 milhões
Comercial & Empréstimos industriais	US $ 67,3 milhões
Empréstimos imobiliários residenciais	US $ 29,1 milhões

Taxas e comissões de serviço

A receita da taxa de serviço para 2023 totalizou US $ 46,7 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 18,2 milhões
• Serviços de Gerenciamento do Tesouro: US $ 15,5 milhões
• Serviços comerciais: US $ 8,3 milhões
• Outros serviços bancários: US $ 4,7 milhões

Receita de produtos de investimento

As receitas relacionadas ao investimento em 2023 atingiram US $ 22,4 milhões, compreendendo:

Produto de investimento	Receita
Serviços de gerenciamento de patrimônio	US $ 12,6 milhões
Taxas de consultoria de investimento	US $ 6,8 milhões
Serviços de corretagem	US $ 3,0 milhões

Taxas de transação

A receita da taxa de transação para 2023 totalizou US $ 17,9 milhões:

• Taxas de transação ATM: US $ 5,6 milhões
• Taxas de transferência de fio: US $ 4,3 milhões
• Taxas de cheque especial: US $ 4,2 milhões
• Taxas de transação estrangeira: US $ 3,8 milhões

Cobranças de serviço bancário digital

A receita bancária digital para 2023 foi de US $ 8,6 milhões, com o colapso da seguinte forma:

Serviço digital	Receita
Taxas bancárias online	US $ 3,9 milhões
Serviços bancários móveis	US $ 2,7 milhões
Processamento de pagamento digital	US $ 2,0 milhões

Byline Bancorp, Inc. (BY) - Canvas Business Model: Value Propositions

You're looking at what Byline Bancorp, Inc. offers its customers and shareholders-the core reasons they choose the bank over others in the competitive Chicago market.

Byline Bancorp, Inc. positions itself with the explicit goal of becoming the preeminent commercial bank in Chicago. That's a clear target, and their recent performance shows they are pushing hard on that front. For instance, their total assets reached $9.8 billion as of September 30, 2025, showing scale in the region.

A major part of their value comes from deep specialization. They offer expertise in complex commercial lending, which is where you find the more intricate financing needs of growing businesses. Also, they provide small ticket equipment leasing solutions, which helps smaller operations acquire necessary assets without tying up too much capital.

To be fair, their national profile is significantly bolstered by their Small Business Administration (SBA) lending prowess. Byline Bank is consistently recognized as a top-tier SBA lender nationally. For fiscal year 2024, they originated $504.6 million in SBA 7(a) loans nationwide. They specialize in this government-backed financing, which often means better terms for the small businesses that qualify. They also claim to be a top national SBA lender for FY2025.

Still, they maintain a full-service community banking approach for both local businesses and consumers. This means they cover the day-to-day banking needs alongside the more complex commercial services. This dual focus helps them capture a wider range of the local financial relationship. Their Q3 2025 Net Interest Income hit $99.9 million, showing the core lending business is generating solid revenue.

For you as an investor, Byline Bancorp, Inc. offers consistent capital returns. They maintain a quarterly dividend of $0.10 per share. The Board declared this amount on October 21, 2025, for payment on November 18, 2025. This level of return has been consistent through 2025, with the dividend per share being $0.10 for all four reported quarters of the year. This translates to an annual dividend of $0.40 per share, and based on Q3 2025 earnings per share of $0.82 or $0.83, the payout ratio is quite sustainable, sitting around 13.70% to 14.28%.

Here's a quick look at some key figures that back up these value propositions:

Metric	Value	Period/Context
Total Assets	$9.8 billion	September 30, 2025
Quarterly Dividend Per Share	$0.10	Q3 2025 Declaration
Tax-Equivalent Net Interest Margin	4.28%	Q3 2025
FY2024 National SBA 7(a) Loan Volume	$504.6 million	FY2024
Q3 2025 Net Interest Income	$99.9 million	Q3 2025

The core offerings that define Byline Bancorp, Inc.'s value proposition include:

• Positioning as the leading Chicago commercial bank.
• Expertise in complex commercial lending deals.
• Offering small ticket equipment leasing services.
• Top-tier national ranking in SBA 7(a) lending volume.
• Delivering consistent quarterly shareholder returns.

Finance: draft 13-week cash view by Friday.

Byline Bancorp, Inc. (BY) - Canvas Business Model: Customer Relationships

You're focused on being the preeminent commercial bank in Chicago, so your customer relationships are built on deep local knowledge and dedicated service, especially for your business clients. Honestly, the numbers show this focus is paying off in loan growth.

Dedicated relationship managers for commercial customers

Byline Bancorp, Inc. clearly prioritizes its commercial relationships. That focus is visible in the loan mix, which shows a strong commitment to local businesses. Commercial and industrial loans made up 40% of the total loan portfolio as of the third quarter of 2025. That's up 2 percentage points from the year before, illustrating that local companies are eager to invest and you're there to fund them. The CEO mentioned deepening these relationships with commercial customers back in the first quarter of 2025, so this isn't a new tactic; it's the core of the strategy.

Here's a quick look at the commercial concentration in the loan book as of Q3 2025:

Loan Category	Percentage of Total Portfolio (Q3 2025)
Commercial and Industrial Loans	40%
Commercial Real Estate Loans	34% (Based on Q2 2025 data, which is the latest available breakdown)

What this estimate hides is the specific number of dedicated managers, but the heavy concentration in C&I lending strongly implies a high-touch, relationship-driven sales and service model for those clients.

High-touch, customer-centric service model, especially post-acquisition

You've been busy integrating the First Security acquisition, which closed on April 1, 2025. That deal was definitely about adding key relationships, bringing in $280 million in deposits and $153 million in loans, plus those important commercial connections. The executive team made a point to welcome those former First Security customers in the second quarter of 2025, signaling a commitment to retaining that business through personalized service rather than letting them drift. You're not just processing transactions; you're managing a portfolio of business relationships.

Digital self-service options via upgraded online banking systems

To support your relationship bankers, Byline Bancorp, Inc. completed a core systems upgrade to its online banking platform in the second quarter of 2025. This upgrade helps ensure that while the service is high-touch, the underlying technology is modern. Nationally, the trend is clear: as of 2025, over 83% of U.S. adults use some form of digital banking service. Furthermore, a significant majority of consumers-around 77%-prefer managing their accounts through a mobile app or a computer. Your upgraded system has to meet that expectation for convenience, even if your primary focus remains commercial lending.

Cultivating strong, enduring relationships in core Midwest markets

Your enduring relationships are rooted in your physical footprint across the Midwest, specifically the Chicago and Milwaukee metro areas. As of early 2025, Byline Bank operated 46 branch locations across these markets. This physical presence supports the commercial focus. In the Chicago area specifically, total deposits reached $7.8 billion in the third quarter of 2025, capturing a 1.3% share of that local market. It's important to note that commercial deposits made up a healthy 46.9% of that total deposit base in Q3 2025, showing where the relationship strength lies.

Here are some key metrics reflecting your market presence and deposit mix as of late 2025:

• Branch locations in Chicago and Milwaukee metro areas: 46 (as of Q1 2025)
• Total Deposits (Q3 2025): $7.8 billion
• Chicago-area market deposit share (Q3 2025): 1.3%
• Commercial Deposits as a percentage of Total Deposits (Q3 2025): 46.9%

Finance: draft the 13-week cash view by Friday.

Byline Bancorp, Inc. (BY) - Canvas Business Model: Channels

You're looking at how Byline Bancorp, Inc. gets its products and services-loans, deposits, and specialized finance-to its customers across the Chicago and Milwaukee markets as of late 2025. The physical footprint remains a core part of this strategy, even as digital adoption grows.

The physical branch network of 46 locations serves as the high-touch anchor for community engagement and deposit gathering across the Chicago and Milwaukee metropolitan areas. This network supports a bank with total assets reaching approximately $9.7 billion as of June 30, 2025. The branch system is fundamental to maintaining the culture of proactive solutions and deep-rooted local relationships.

The Commercial and Sponsor Finance Group direct sales teams are the engine for high-value commercial relationships. These teams directly target small- and medium-sized businesses and financial sponsors. Their effectiveness is reflected in the growth of the loan portfolio, such as the increase in the commercial and industrial loan portfolio driving net loan and lease growth in the first half of 2025.

For customer interaction, digital banking platforms for consumer and business accounts are essential for keeping pace with evolving customer preferences. While specific digital adoption rates aren't always public, the bank offers services like Zelle® to facilitate modern transaction needs, complementing the physical presence.

Specialized lending is funneled through dedicated loan production offices. These offices focus on originating specific products that require specialized underwriting or market expertise. A key area of strength channeled through these offices is the Small Business Administration (SBA) lending program, where Byline Bank has historically been a top lender in the United States.

Here's a quick look at the scale of the operation these channels support as of mid-2025:

Channel Metric	Data Point (as of latest reported date)	Context/Date
Physical Branch Locations	46	As of March 31, 2025
Total Assets Supported	$9.7 billion	As of June 30, 2025
Total Deposits Supported	$7.8 billion	As of June 30, 2025
SBA Lending Ranking	Top 5 U.S. SBA Lender by Volume	FY2025 Estimate/Context
Key Commercial Growth Driver	Commercial and Industrial Loan Portfolio	Drove loan growth in 1Q25

The bank emphasizes a multi-pronged approach to client acquisition and service delivery. You can see the focus areas below:

• High-touch engagement via the 46-location branch footprint.
• Direct sales targeting for commercial and sponsor finance deals.
• Digital channels supporting everyday consumer and business transactions.
• Specialized origination through dedicated loan production offices.
• Leveraging top-tier status as an SBA lender for small business acquisition.

The integration of the First Security Bancorp, Inc. acquisition on April 1, 2025, further solidified this channel strategy, bringing combined total assets to approximately $9.9 billion immediately post-close, demonstrating the channels' capacity to absorb and integrate new business lines.

Finance: draft 13-week cash view by Friday.

Byline Bancorp, Inc. (BY) - Canvas Business Model: Customer Segments

You're focused on understanding where Byline Bancorp, Inc. gets its business, and frankly, their strategy is clearly centered on the Chicago commercial market post-acquisition of First Security Bancorp, Inc. in April 2025. As of late 2025, Byline Bancorp, Inc. positions itself as Chicago's preeminent commercial bank, serving a defined set of sophisticated and local clients.

Small- and medium-sized businesses (SMBs) in the Midwest

This segment forms the core of the lending activity. Byline Bancorp, Inc. has a long-standing commitment to this group, evidenced by being recognized as the Illinois Small Business Administration's SBA 7(a) Lender of the Year for the 16th year in a row as of August 19, 2025. The bank's total loan and lease portfolio stood at $7.33 billion at the end of Q2 2025, growing to $7.5 billion by Q3 2025.

The composition of the loan book clearly shows the commercial focus:

Loan Category	Percentage of Total Loans (Q3 2025)	Notes
Commercial and Industrial Loans	40%	Largest single share of the portfolio.
Owner-Occupied Commercial Real Estate	20%	A specific focus within the CRE segment.
Non-Owner Occupied Commercial Real Estate	14%	The remainder of the CRE exposure.

For the unguaranteed 7(a) SBA and USDA loans specifically, as of March 31, 2025, the exposure was $431.7 million, concentrated in specific industries:

• Retail trade: 19.9%.
• Accommodation and food services: 13.6%.
• Manufacturing: 9.3%.

Financial sponsors and private equity firms

While the primary focus is on C&I and CRE, Byline Bancorp, Inc. explicitly lists Sponsor Finance as a specialty lending area, indicating a segment of sophisticated financial players. During the Q3 2025 earnings call, management noted efforts to build infrastructure for a program targeting "program sponsors that are high users of payment products". This suggests an active, though perhaps less numerically detailed, segment focused on providing financing solutions to private equity-backed entities, likely involving leveraged lending or acquisition financing.

Local consumers and community banking clients

Byline Bank operates over 46 branches throughout the Chicago and Milwaukee metropolitan areas, underscoring its commitment to local community banking alongside its commercial push. The bank serves consumers directly through its branch network and various services, including Online & Mobile Banking, Credit Cards, and Wealth Management. Total deposits, which represent the funding base from these clients and businesses, reached $7.8 billion by Q3 2025. The bank's total assets crossed $9.8 billion as of September 30, 2025.

Commercial real estate investors and developers

Commercial real estate is a substantial component of the lending book, representing 34% of the loan portfolio at the end of Q2 2025, which breaks down into owner-occupied and non-owner occupied categories in the latest figures. The bank's total loan portfolio was $7.5 billion in Q3 2025. This segment is critical to the bank's overall asset base, as evidenced by the fact that an increase in the commercial real estate relationship contributed to a rise in non-performing assets in Q2 2025.

Byline Bancorp, Inc. (BY) - Canvas Business Model: Cost Structure

You're looking at the core expenditures that drive Byline Bancorp, Inc.'s operations, which is crucial for understanding profitability, especially as the bank manages growth and regulatory shifts.

A primary driver of interest expense is the cost of funding, specifically deposits. For the first quarter of 2025, the average cost of total deposits was reported at 2.30%. This figure reflects management's success in shifting the mix, as it was a decrease from the prior quarter, showing some relief on funding costs despite the overall rate environment.

Non-interest expense is where you see the day-to-day operational costs. For the third quarter of 2025, total non-interest expense was $60.5 million, which was up 1.5% from the second quarter of 2025. Salaries and employee benefits are a major component here. In Q3 2025, this category saw increases, principally due to higher incentive compensation accruals reflecting strong performance, alongside increased health insurance costs. It's definitely an area management watches closely, as they noted expenses remain well managed overall.

Technology and system maintenance represent necessary, ongoing costs. Looking back at Q1 2025 results, there was a specific increase to data processing expenses of $698,000, which was attributed mainly to expenses related to the First Security Bancorp merger integration.

The cost associated with potential loan deterioration, the provision for credit losses, fluctuates based on portfolio quality and economic outlook. In Q1 2025, net charge-offs for loans and leases totaled $6.6 million. To be fair, this metric can swing; for instance, the provision for credit losses recorded in the subsequent third quarter of 2025 was lower at $5.3 million.

The overall effectiveness of controlling these costs is reflected in the efficiency ratio (non-interest expense divided by total revenue). Byline Bancorp, Inc. achieved an efficiency ratio of 51.00% in the third quarter of 2025, which was an improvement of 161 basis points from the prior quarter, showing that revenue growth outpaced expense increases.

Here is a quick comparison of some key cost and efficiency metrics across the middle quarters of 2025:

Metric	Q1 2025 Data	Q3 2025 Data
Average Cost of Total Deposits	2.30%	Not explicitly provided for Q3
Net Charge-offs (Millions USD)	$6.6	Not explicitly provided for Q3
Provision for Credit Losses (Millions USD)	$9.2	$5.3
Non-Interest Expense (Millions USD)	$56.4	$60.5
Efficiency Ratio	53.66%	51.00%

You can see the expense control in action when you look at the efficiency ratio improvement, even as total non-interest expense rose from Q1 to Q3.

The main cost drivers Byline Bancorp, Inc. is managing are:

• Interest paid on total deposits, with a Q1 2025 average rate of 2.30%.
• Salaries and employee benefits, which drove a portion of the Q3 2025 non-interest expense of $60.5 million.
• Technology and data processing costs, evidenced by a $698,000 increase in Q1 2025 due to merger activity.
• Provisioning for credit losses, with Q1 2025 net charge-offs at $6.6 million.

Finance: draft 13-week cash view by Friday.

Byline Bancorp, Inc. (BY) - Canvas Business Model: Revenue Streams

You're looking at how Byline Bancorp, Inc. actually brings in its money as of late 2025. For a commercial bank focused on the Chicago market, the revenue streams are pretty standard but the execution on the numbers is what matters right now.

The primary engine for Byline Bancorp, Inc. remains the spread between what it earns on its assets and what it pays on its liabilities. For the third quarter of 2025, the Net Interest Income hit $99.9 million, which was an increase of 4.1% from the second quarter of 2025. This growth was fueled by higher interest income coming from the expanding loan and lease portfolio, along with effective management leading to lower rates paid on deposits. The tax-equivalent net interest margin (NIM) for Q3 2025 expanded to 4.27%, up nine basis points from the prior quarter.

Beyond the core lending business, non-interest income provides a significant, and sometimes variable, boost. Total Non-Interest Income for Q3 2025 was $15.9 million, marking a 9.5% increase compared to the second quarter of 2025. A key driver here is the sale of government-guaranteed loans. Specifically, Net Gains on Sales of U.S. Government Guaranteed Loans accounted for $7.0 million in the quarter, up 28.9% from the prior quarter. Byline Bancorp, Inc. sold $92.9 million of these loans in Q3 2025.

Here's a quick look at the main revenue components for Q3 2025:

Revenue Component	Q3 2025 Amount	Comparison to Q2 2025
Net Interest Income	$99.9 million	Up 4.1%
Total Non-Interest Income	$15.9 million	Up 9.5%
Net Gains on Sales of Loans (Component of NII)	$7.0 million	Up 28.9%
Total Revenue (Sum of NII and NII)	Approx. $115.8 million (Reported $115.7M)	Up 13.6% year-on-year

The growth in the Loan and Lease Interest Income is directly tied to the expanding asset base. The total loan and lease portfolio grew by $107.5 million, or 5.8% annualized, reaching $7.5 billion in Q3 2025. This portfolio is strategically diversified, with commercial and industrial loans making up 40% of the mix.

The remaining portion of non-interest income is derived from service charges and fees. These streams reflect the day-to-day banking activity with Byline Bancorp, Inc.'s client base, which includes small and medium-sized businesses and consumers.

• Fees from deposit products, reflecting customer balances.
• Revenue from treasury management services for business clients.
• Stable fee income contributing to the $15.9 million total.
• Income from securities held in the portfolio.

Honestly, the ability to grow the loan book while keeping deposit costs managed is what pushed the Net Interest Income to a record high for the quarter. Finance: draft 13-week cash view by Friday.