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Balance Sheets Overview
Debt to Asset Ratio
86.87%
Unit: Thousand (K) dollars
Assets Breakdown
Collectively evaluated for impai...
Accrued interest receivable and ...
Goodwill and other intangible as...
Others
Liabilities Breakdown
Interest-bearing deposits
Non-interest-bearing demand depo...
Additional paid-in capital
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
77,159
62,341
60,184
70,406
Interest bearing deposits with other banks
116,400
136,027
88,911
188,610
Cash and cash equivalents
193,559
198,368
149,095
259,016
Equity and other securities, at fair value
7,476
9,561
10,660
10,461
Securities available-for-sale, at fair value (amortized cost at june 30, 2026 - 1,743,352 december 31, 2025 - 1,516,376)
1,616,748
1,656,180
1,405,106
1,512,194
Securities held-to-maturity, at amortized cost (fair value at december 31, 2024-605)
-
-
0
0
Restricted stock, at cost
18,777
20,615
21,314
15,934
Loans held for sale
21,518
9,686
13,621
20,566
Originated Loans
-
-
2,338,109
2,234,986
Purchase Credit Deteriorated
-
-
68,987
71,359
Acquired Non Credit Deteriorated
-
-
200,089
215,801
Commercial Real Estate Portfolio Segment
-
-
2,607,185
2,522,146
Originated Loans
-
-
567,158
552,984
Purchase Credit Deteriorated
-
-
20,788
24,061
Acquired Non Credit Deteriorated
-
-
169,478
178,896
Residential Portfolio Segment
-
-
757,424
755,941
Originated Loans
-
-
360,003
412,032
Purchase Credit Deteriorated
-
-
2,533
2,513
Acquired Non Credit Deteriorated
-
-
45,542
50,493
Construction Land Development And Other Land Portfolio Segment
-
-
408,078
465,038
Originated Loans
-
-
2,856,214
2,804,434
Purchase Credit Deteriorated
-
-
12,570
19,193
Individually evaluated for impairment
108,695
106,131
-
-
Acquired Non Credit Deteriorated
-
-
97,786
106,827
Commercial And Industrial Portfolio Segment
-
-
2,966,570
2,930,454
Originated Loans
-
-
3,470
2,431
Purchase Credit Deteriorated
-
-
73
81
Acquired Non Credit Deteriorated
-
-
14,263
14,133
Installment And Other Portfolio Segment
-
-
17,806
16,645
Notes Receivable Gross
-
-
752,306
750,531
Finance Leases Portfolio Segment
-
-
752,306
750,531
Collectively evaluated for impairment
7,433,716
7,369,141
-
-
Loans and leases
7,542,411
7,475,272
7,509,369
7,440,755
Allowance for credit losses - loans and leases
111,861
108,879
108,834
105,717
Net loans and leases
7,430,550
7,366,393
7,400,535
7,335,038
Servicing assets, at fair value
19,291
18,942
19,234
19,019
Accrued interest receivable
-
-
39,818
-
Premises and equipment, net
55,981
57,317
57,988
58,785
Operating lease right-of-use asset
-
-
9,034
-
Assets held for sale
-
-
1,829
-
Other real estate owned
3,153
2,890
3,394
4,220
Goodwill
-
-
181,852
-
Other intangible assets, net
-
-
18,668
-
Goodwill and other intangible assets, net
198,050
199,285
-
202,014
Bank-owned life insurance
109,414
108,481
107,462
106,575
Deferred tax assets, net
40,624
45,525
41,779
49,918
Due from counterparty
-
-
32,301
-
Other assets
-
-
138,986
-
Accrued interest receivable and other assets
217,324
216,437
-
218,635
Total assets
9,932,465
9,909,680
9,652,676
9,812,375
Non-interest-bearing demand deposits
1,826,739
1,818,981
1,818,888
1,932,869
Interest bearing checking, savings accounts, and money market accounts
-
-
4,311,069
-
Time deposits
-
-
1,517,486
-
Interest-bearing deposits
6,044,023
5,982,835
-
5,895,328
Total deposits
7,870,762
7,801,816
7,647,443
7,828,197
Federal home loan bank advances
-
-
340,000
-
Term loan
-
-
0
-
Other borrowings
460,449
504,520
-
361,286
Subordinated notes, net
73,967
73,938
73,940
148,971
Securities sold under agreements to repurchase
-
-
79,598
-
Total liability, at par
87,000
87,000
87,000
87,000
Discount
15,186
15,388
15,591
15,728
Junior subordinated debentures
71,814
71,612
71,409
71,272
Accrued interest payable
-
-
11,777
-
Operating lease liability
-
-
9,851
-
Accrued expenses and other liabilities
-
-
150,752
-
Accrued interest payable and other liabilities
151,258
177,502
-
164,967
Total liabilities
8,628,250
8,629,388
8,384,770
8,574,693
Preferred stock
0
0
-
0
Common stock
471
471
471
471
Additional paid-in capital
756,361
754,582
760,700
758,089
Retained earnings
712,588
677,854
645,724
615,784
Treasury stock, at cost
78,627
71,048
65,914
56,959
Accumulated other comprehensive loss, net of tax
-86,578
-81,567
-73,075
-79,703
Total stockholders equity
1,304,215
1,280,292
1,267,906
1,237,682
Total liabilities and stockholders equity
9,932,465
9,909,680
9,652,676
9,812,375
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Balance Sheets
Collectively evaluated for
impairment
$7,433,716K
(3.02%↑ Y/Y)
Individually evaluated for
impairment
$108,695K
(-3.01%↓ Y/Y)
Loans and leases
$7,542,411K
(2.93%↑ Y/Y)
Interest bearing
deposits with other banks
$116,400K
(-18.74%↓ Y/Y)
Cash and due from
banks
$77,159K
(2.72%↑ Y/Y)
Net loans and leases
$7,430,550K
(2.91%↑ Y/Y)
Securities
available-for-sale, at fair value...
$1,616,748K
(2.64%↑ Y/Y)
Accrued interest
receivable and other assets
$217,324K
(7.87%↑ Y/Y)
Goodwill and other
intangible assets, net
$198,050K
(-2.68%↓ Y/Y)
Cash and cash
equivalents
$193,559K
(-11.35%↓ Y/Y)
Bank-owned life insurance
$109,414K
(3.50%↑ Y/Y)
Premises and equipment,
net
$55,981K
(-5.98%↓ Y/Y)
Deferred tax assets, net
$40,624K
(-28.86%↓ Y/Y)
Loans held for sale
$21,518K
(-16.64%↓ Y/Y)
Servicing assets, at fair
value
$19,291K
(2.63%↑ Y/Y)
Restricted stock, at cost
$18,777K
(0.69%↑ Y/Y)
Equity and other
securities, at fair value
$7,476K
(-30.51%↓ Y/Y)
Other real estate
owned
$3,153K
(-36.25%↓ Y/Y)
Allowance for credit
losses - loans and...
$111,861K
(3.84%↑ Y/Y)
Total assets
$9,932,465K
(2.18%↑ Y/Y)
Total liabilities and
stockholders equity
$9,932,465K
(2.18%↑ Y/Y)
Total liabilities
$8,628,250K
(1.18%↑ Y/Y)
Total stockholders
equity
$1,304,215K
(9.38%↑ Y/Y)
Accumulated other
comprehensive loss, net of tax
-$86,578K
(4.06%↑ Y/Y)
Treasury stock, at cost
$78,627K
(37.91%↑ Y/Y)
Total deposits
$7,870,762K
(0.77%↑ Y/Y)
Other borrowings
$460,449K
(11.19%↑ Y/Y)
Accrued interest
payable and other...
$151,258K
(-4.24%↓ Y/Y)
Subordinated notes, net
$73,967K
(-0.22%↓ Y/Y)
Junior subordinated
debentures
$71,814K
(0.95%↑ Y/Y)
Additional paid-in capital
$756,361K
(0.04%↑ Y/Y)
Retained earnings
$712,588K
(22.19%↑ Y/Y)
Discount
$15,186K
(-4.27%↓ Y/Y)
Common stock
$471K
(0.00%↑ Y/Y)
Interest-bearing deposits
$6,044,023K
(0.11%↑ Y/Y)
Non-interest-bearing demand deposits
$1,826,739K
(3.02%↑ Y/Y)
Total liability, at
par
$87,000K
(0.00%↑ Y/Y)
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BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)