BlastPoint's Banking Scorecard
Byline Bank
Mid-Market
Specialty: Commercial
IL
FDIC cert 20624
Designations: ✓ Community bank
Chicago, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Byline Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.07% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 43% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.6B
+1.6% YoY
-1.6% QoQ
|
-$826.0M |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$7.4B
+8.8% YoY
+0.8% QoQ
|
+$282.8M |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$7.7B
+2.6% YoY
-3.2% QoQ
|
-$851.5M |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.47%
+5.7% YoY
+1.4% QoQ
|
+0.31% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.47%
+6.9% YoY
+1.5% QoQ
|
+1.07% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
49.77%
-1.4% YoY
-0.8% QoQ
|
-6.83% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.96%
+5.5% YoY
+12.0% QoQ
|
+0.28% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
96.44%
+6.1% YoY
+4.2% QoQ
|
+10.97% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
24.19%
+1.1% YoY
-6.3% QoQ
|
+3.55% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.78%
+9.3% YoY
+12.7% QoQ
|
+0.28% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.35%
+3.2% YoY
+1.4% QoQ
|
-0.20% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.63%
-0.7% YoY
+35.0% QoQ
|
-0.33% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Mid-Market
Why this stands out
Current:
4.47%
(Tier avg: 3.40%, National avg: 3.75%)
Concerns (1)
Credit Risk Growth
risk
#38 of 87 · Bottom 43% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.40%
77
77th pctile
Efficiency Ratio
Current: 49.77% · Tier avg: 56.60%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $7.4B · Tier avg: $7.1B
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 24.19% · Tier avg: 20.64%
62
62th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
58
58th pctile
Total Deposits
Current: $7.7B · Tier avg: $8.5B
58
58th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 13.55%
42
42th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.96%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.44% · Tier avg: 85.47%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.44% · Tier avg: 85.47%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
42
42th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.96%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 13.55%
58
58th pctile
Total Deposits
Current: $7.7B · Tier avg: $8.5B
62
62th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 24.19% · Tier avg: 20.64%
68
68th pctile
Total Loans
Current: $7.4B · Tier avg: $7.1B
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 49.77% · Tier avg: 56.60%
91
91th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.40%