署名银行 2025年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period endedJune 30,2025OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period from ______to ______Commission File Number001-38139 Byline Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) 36-3012593(IRS EmployerIdentification Number) Delaware(State or Other Jurisdiction ofIncorporation or Organization) 180 North LaSalle Street,Suite 300Chicago,Illinois60601(Address of Principal Executive Offices)(773)244-7000(Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of RegulationS-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 ofthe Securities Exchange Act of 1934. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒Securities registered pursuant to Section 12(b) of the Act: BYLINE BANCORP, INC. FORM 10-Q June 30, 2025 INDEX PART I.FINANCIAL INFORMATIONItem 1.Financial Statements. The Unaudited Interim Condensed Consolidated Financial Statements of BylineBancorp, Inc.Notes to Unaudited Interim Condensed Consolidated Financial Statements10Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations48Item 3.Quantitative and Qualitative Disclosures about Market Risk82Item 4.Controls and Procedures83 PART II.OTHER INFORMATIONItem 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.Exhibits BYLINE BANCORP, INC. AND SUBSIDIARIESCONDENSED CONSOLIDATED STATEMENTSOF FINANCIAL CONDITION(UNAUDITED) BYLINE BANCORP, INC. AND SUBSIDIARIESCONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY(UNAUDITED) BYLINE BANCORP, INC. AND SUBSIDIARIESNOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS(Table dollars in thousands, except share and per share data) (Unaudited) Note 1—Basis of Presentation These unaudited interim condensed consolidated financial statements include the accounts of Byline Bancorp, Inc., aDelaware corporation (the "Company," "Byline," "we," "us," "our"), a bank holding company whose principal activity is theownership and management of its Illinois state chartered subsidiary bank, Byline Bank (the "Bank"), based in Chicago, Illinois. These unaudited interim condensed consolidated financial statements have been prepared in accordance with accountingprinciples generally accepted in the United States of America ("GAAP") for interim financial information and in accordance withthe instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission("SEC"). In preparing these financial statements, the Company has evaluated events and transactions subsequent to June 30, 2025for potential recognition or disclosure. In the opinion of management, all adjustments (consisting of normal recurring accruals)considered necessary for a fair presentation of the financial position and results of operations for the periods presented have beenincluded. Certain information in footnote disclosures normally included in financial statements prepared in accordance with GAAPhas been condensed or omitted pursuant to the rules and regulations of the SEC and the accounting standards for interim financialstatements. These financial statements should be read in conjunction with the consolidated financial statements and notes theretoincluded in the Company’s Consolidated Financial Statements as of December 31, 2024 and 2023. The Company hasonereportable segm