Byline Bank: how it compares with its peers
Against 12 IL banks with half to twice its assets, Byline Bank's strongest measure in Q2 2026 is net interest margin (4.53% vs. a 3.59% peer median). Its weakest relative measure is assets per employee ($9.6M vs. $9.8M).
| Measure | Byline Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.46% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.53% | 3.59% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.56% | 53.62% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $9.8M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.27% | 87.72% | Context |
What it means for lending operations
Its efficiency ratio of 46.56% is better than the 53.62% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Wintrust Bank, National Association Chicago, IL · $9.57B
- Lake Forest Bank & Trust Company, National Association Lake Forest, IL · $9.25B
- First Mid Bank & Trust, National Association Mattoon, IL · $9.14B
- First American Bank Elk Grove Village, IL · $8.63B
- Old Second National Bank Aurora, IL · $6.86B
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
Questions about Byline Bank
How big is Byline Bank?
Byline Bank, established in 1972, is headquartered in Chicago, IL. It reported $9.91B in total assets in its Q2 2026 FDIC call report and operates 54 offices.
What is Byline Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.46% median for 12 IL banks with half to twice its assets, ahead of 75% of them.
What is Byline Bank's efficiency ratio?
46.56% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 53.62%, and lower is better.
Is Byline Bank growing its loans?
Net loans grew 2.8% over the year to Q2 2026, while deposits grew 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.