Byline Bancorp, Inc. · NYSE:BY

Byline Bancorp — Q3 2026 Earnings Presentation

22 slides from Byline Bancorp's earnings presentation, Oct 22, 2026

  1. Slide 1: 3Q26 Earnings Presentation

    Exhibit 99.2 3Q26 Earnings Presentation

  2. Slide 2: Forward-Looking Statements

    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 antici

  3. Slide 3: Leading Chicago Commercial Banking Franchise

    Leading Chicago Commercial Banking Franchise Company Overview BY at a Glance ($mm) $1.7 Billion Market Cap(1) Size A Chicago-based commercial bank with the strength, scale, and product offerings $9.9 Billion $7.5 Billion $8.0 Billion to compete effectively in our markets—delivering value to stockhol

  4. Slide 4: Third Quarter 2026 Highlights

    Third Quarter 2026 Highlights $41.8 million $0.94 4.33% 2.45% NET INCOME DILUTED EPS NET INTEREST MARGIN PTPP ROAA (1)(2) PERFORMANCE OVERVIEW PROFITABILITY & RETURNS KEY HIGHLIGHTS (compared to 3Q25) Reported results Delivered record revenue of $121.0 million, up 2.8% Return on Average Assets(2) 1.

  5. Slide 5: Loan Portfolio Trends

    Loan Portfolio Trends ($ in millions) Total Loan Portfolio and Average Yield Highlights $7,461 $7,523 $7,485 $7,564 $7,490  Total loans and leases of $7.5 billion, down $73.5 million or 1.0%  Originated $362.3 million in new loans in 3Q26, net of loan sales  Commercial banking and CRE production

  6. Slide 6: Deposit Trends

    Deposit Trends ($ in millions) Deposit Composition Highlights $7,828 $7,647 $7,802 $7,871 $8,039  Total deposits were $8.0 billion, up 8.5%(1) from 2Q26 5.5% 5.5% 5.6% 5.9% 6.1% 14.7% 14.3% 15.0% 14.6% 14.4%  Excluding brokered, deposits were up 13.8%(1)  Growth led by interest-bearing checking,

  7. Slide 7: Net Interest Income and Net Interest Margin Trends

    Net Interest Income and Net Interest Margin Trends ($ in millions) Net Interest Income Highlights $100.8 $103.7 $99.9 $101.3 $99.9  Net interest income was $103.7 million, up 2.8% from 2Q26  Increase driven by higher securities income, lower borrowing costs and day count  Net interest margin of 4

  8. Slide 8: Non-Interest Income Trends

    Non-Interest Income Trends ($ in millions) Total Non-Interest Income Highlights $16.9 $17.3  Non-interest income totaled $17.3 million, up 2.7% from 2Q26, reflecting: $15.8 $15.7 19% $12.5 28% 34%  Wealth management and trust income grew 9.7% 27% 9% 14% 8% 10% 8%  Higher customer swap income 10%

  9. Slide 9: Non-Interest Expense Trends

    Non-Interest Expense Trends ($ in millions) Non-Interest Expense Highlights $60.5 $60.4 $59.8  Non-interest expense of $59.8 million, up 5.9% from 2Q26, reflecting: $57.2 $56.5  $3.4 million increase in salaries and employee benefits primarily due to higher incentive compensation  Continued focus

  10. Slide 10: Asset Quality Trends

    Asset Quality Trends ($ in millions) Net Charge-offs Allowance for Credit Losses (ACL) $7.1 $111.9 $113.0 $6.7 $108.8 $108.9 $105.7 $6.0 $5.8 $4.4 1.51% 1.45% 1.46% 1.48% 0.38% 0.36% 1.42% 0.32% 0.31% $7.3 $6.7 0.24% $5.8 $6.0 $4.4 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q3 2025 Q4 2025 Q1 2026 Q2 2

  11. Slide 11: Capital Position

    Capital Position Capital Ratios Highlights  Capital Priorities: 15.81% 15.55% 15.96% 16.37% 15.34%  Organic Growth  Dividend  M&A  Buyback 10.78% 11.29% 11.13% 11.36% 11.12%  Regulatory capital ratios increased; TCE declined on higher AOCI  Increased cash dividend by 16.7% to $0.14 per share

  12. Slide 12: 3Q26 Appendix

    3Q26 Earnings Presentation Appendix

  13. Slide 13: Granular Deposit Base

    Granular Deposit Base A strength of our franchise is our well diversified …with limited concentration and a granular customer deposit base… base providing a stable source of funding Consumer Deposits(1) ~64% of Total Deposits are FDIC Insured $3.7 billion at 9/30/26 Customer Base Total Franchise ~11

  14. Slide 14: Liquidity and Securities Portfolio

    Liquidity and Securities Portfolio ($ in millions) Liquidity Position Highlights  Cash and cash equivalents of $218.7 million  Investment portfolio duration: 4.2 years; net of hedges: ~4.1 years  $2.4 billion of secured borrowing capacity  Investment portfolio annual cash flow: ~$213 million  U

  15. Slide 15: Government Guaranteed Lending

    Government Guaranteed Lending ($ in millions) On Balance Sheet SBA 7(a) & USDA Loans Highlights ($ in millions) $ Balance % of Portfolio  Since 2016, the unguaranteed portion of our government guaranteed Unguaranteed $387.6 5.1% portfolio has decreased from 14.6% to 5.5% Guaranteed 68.3 0.9% Total

  16. Slide 16: Financial Summary

    Financial Summary As of or For the Three Months Ended (dollars in thousands, except per share data) September 30, June 30, March 31, December 31, September 30, 2026 2026 2026 2025 2025 Income Statement Net interest income $ 103,676 $ 100,836 $ 99,863 $ 101,255 $ 99,890 Provision for credit losses 6,

  17. Slide 17: Non-GAAP Reconciliation

    Non-GAAP Reconciliation As of or For the Three Months Ended September 30, June 30, March 31, December 31, September 30, (dollars in thousands, except per share data) 2026 2026 2026 2025 2025 Net income and earnings per share excluding significant items Reported Net Income $ 41,786 $ 40,181 $ 37,579

  18. Slide 18: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended September 30, June 30, March 31, December 31, September 30, (dollars in thousands) 2026 2026 2026 2025 2025 Adjusted non-interest expense: Non-interest expense $ 59,800 $ 56,479 $ 57,189 $ 60,369 $ 60,518 Less: Loss on extinguis

  19. Slide 19: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended September 30, June 30, March 31, December 31, September 30, (dollars in thousands) 2026 2026 2026 2025 2025 Tangible common stockholders' equity: Total stockholders' equity $ 1,275,242 $ 1,304,215 $ 1,280,292 $ 1,267,906 $ 1,237

  20. Slide 20: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended (dollars in thousands, except share and per share September 30, June 30, March 31, December 31, September 30, data, ratios annualized, where applicable) 2026 2026 2026 2025 2025 Pre-tax pre-provision return on average assets: Pr

  21. Slide 21: Non-GAAP Reconciliation (continued)

    Non-GAAP Reconciliation (continued) As of or For the Three Months Ended September 30, June 30, March 31, December 31, September 30, 2026 2026 2026 2025 2025 Tangible common equity to tangible assets: Tangible common equity $ 1,078,427 $ 1,106,165 $ 1,081,007 $ 1,067,386 $ 1,035,668 Tangible assets 9

  22. Slide 22: Byline Bancorp, Inc.

    BY) Byline Bancorp, Inc.

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