Byline Bank
Chicago, Illinois · FDIC Cert #20624
Byline Bank is an FDIC-insured bank (Certificate #20624) with $9.6B in total assets and $7.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Chicago, Illinois, the bank maintains a Tier 1 capital ratio of 12.24% (Well-Capitalized) and a nonperforming loan ratio of 0.92%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Byline Bank (FDIC cert 20624) is a mid-sized bank with $9.6B in total assets and $7.4B in deposits, based in Chicago, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.24% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.92% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.90% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Byline Bank carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Byline Bank
- Total Assets
- $9.6B
- Total Deposits
- $7.4B
- Tier 1 Capital Ratio
- 12.24%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.92%
- Liquidity Ratio
- 22.11%
- Return on Assets
- 1.90%
- Headquarters
- Chicago, Illinois
- FDIC Certificate
- #20624
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Byline Bank holds a Tier 1 capital ratio of 12.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Byline Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Byline Bank shows strong financial health indicators. With $9.6B in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Byline Bank Compares
Byline Bank’s Health Score of 79 is 7 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 12.24% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 0.92% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.90% is in line with or above the national ROA benchmark of ~1.1%. Among 179 similarly-sized banks, the average Health Score is 76, meaning this bank ranks above its size cohort. Site-wide, Byline Bank is 9 points above the portfolio average of 70.
Frequently Asked Questions
Byline Bank has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Byline Bank's Tier 1 capital ratio of 12.24% and nonperforming loan ratio of 0.92% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Byline Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #20624). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Byline Bank holds $9.6B in total assets and $7.4B in total deposits. It is headquartered in Chicago, Illinois (FDIC Certificate #20624).
Byline Bank has a Tier 1 capital ratio of 12.24%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.92%, and the return on assets is 1.90%.
Yes. Byline Bank is FDIC-insured (Certificate #20624). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Byline Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.