Byline Bancorp, Inc. (BY): Análisis PESTLE [Actualizado en enero de 2025]

Al sumergirse en el intrincado mundo de Byline Bancorp, Inc. (por), este análisis de mortero revela el complejo tapiz de fuerzas que dan forma al panorama estratégico del banco con sede en Chicago. Desde las curvas políticas matizadas de Illinois hasta las innovaciones tecnológicas de vanguardia que transforman la banca, exploraremos el entorno externo multifacético que influye en la trayectoria de esta institución financiera. Prepárese para descubrir los factores críticos que impulsan la resistencia, los desafíos y el potencial de crecimiento de Byline Bancorp en un ecosistema financiero en constante evolución.

Byline Bancorp, Inc. (por) - Análisis de mortero: factores políticos

Banco con sede en Chicago que opera en el entorno regulatorio de Illinois

Las regulaciones bancarias de Illinois afectan directamente las estrategias operativas de Byline Bancorp. A partir del cuarto trimestre de 2023, el banco debe cumplir con las pautas bancarias específicas del estado que incluyen:

Aspecto regulatorio	Requisitos de cumplimiento
Requisitos de reserva de capital	Mínima relación de capital de nivel 1 de 8.5%
Mandatos de préstamos comunitarios	Cartera mínima de préstamos para pequeñas empresas 15%
Normas de protección del consumidor	Protocolos de divulgación y transparencia estrictos

Impactos de la política bancaria federal

Las políticas bancarias federales actuales bajo la administración Biden potencialmente influyen en las prácticas de préstamo de Byline Bancorp. Las consideraciones clave de la política incluyen:

• Ajustes de tasas de interés federales por la Reserva Federal
• Programas de incentivos de préstamos para pequeñas empresas
• Requisitos de cumplimiento regulatorio mejorado

Iniciativas regionales de desarrollo económico

Los programas de desarrollo económico del estado de Illinois brindan oportunidades de crecimiento estratégico para Byline Bancorp, con posibles incentivos financieros:

Iniciativa	Impacto financiero potencial
Programa de Desarrollo de Negocios de Illinois	$ 2.5 millones disponibles en subvenciones
Programa de préstamos de revitalización urbana	Asignaciones de préstamos de bajo interés hasta $ 10 millones

Cumplimiento de la Ley de Reinversión Comunitaria

Las estrategias de participación comunitaria de Byline Bancorp están formadas por los requisitos de la Ley de Reinversión de la Comunidad Federal, con métricas específicas:

• 2023 Inversiones de desarrollo comunitario: $ 4.7 millones
• Préstamo del vecindario de ingresos bajos a moderados: 22% de la cartera total
• Horario de servicio comunitario: 3.200 horas de voluntariado de empleados

Byline Bancorp, Inc. (por) - Análisis de mortero: factores económicos

Condiciones económicas regionales en Chicago e Illinois

A partir del cuarto trimestre de 2023, el PIB del área metropolitana de Chicago era de $ 689.3 mil millones. Tasa de desempleo del estado de Illinois: 4.1%. Tamaño del mercado de préstamos para pequeñas empresas de Chicago: $ 24.6 mil millones.

Indicador económico	Valor	Año
PIB de Chicago Metro	$ 689.3 mil millones	2023
Tasa de desempleo de Illinois	4.1%	2023
Mercado de préstamos para pequeñas empresas de Chicago	$ 24.6 mil millones	2023

Impacto en la tasa de interés

Tasa de fondos federales a partir de enero de 2024: 5.33%. Margen de interés neto de Byline Bancorp: 3.52% en el tercer trimestre de 2023. Ingresos de intereses netos: $ 56.4 millones.

Métrica de tasa de interés	Valor	Período
Tasa de fondos federales	5.33%	Enero de 2024
Margen de interés neto	3.52%	P3 2023
Ingresos de intereses netos	$ 56.4 millones	P3 2023

Mercado de préstamos comerciales de tamaño pequeño a mediano

Volumen de préstamos comerciales metropolitanos de Chicago: $ 87.2 mil millones. Portafolio de préstamos comerciales de Byline Bancorp: $ 2.3 mil millones al tercer trimestre de 2023.

Métrica de préstamos comerciales	Valor	Período
Volumen de préstamos comerciales de Chicago Metro	$ 87.2 mil millones	2023
Cartera de préstamos comerciales de Byline Bancorp	$ 2.3 mil millones	P3 2023

Impacto potencial de recesión económica

Disposiciones de pérdida de préstamos de Byline Bancorp: $ 12.7 millones en el tercer trimestre de 2023. Préstamos sin rendimiento: $ 45.3 millones. Relación de capital de nivel 1: 13.2%.

Métrica de riesgo de crédito	Valor	Período
Disposiciones de pérdida de préstamo	$ 12.7 millones	P3 2023
Préstamos sin rendimiento	$ 45.3 millones	P3 2023
Relación de capital de nivel 1	13.2%	P3 2023

Byline Bancorp, Inc. (por) - Análisis de mortero: factores sociales

Los cambios demográficos en el área metropolitana de Chicago afectan la base de clientes y las preferencias bancarias

Población del área metropolitana de Chicago: 9,618,502 a partir de 2022. Edad media: 37,4 años. Tasa de crecimiento de la población: 0.1% anual.

Grupo de edad	Porcentaje	Preferencia bancaria
18-34 años	23.6%	Banca digital
35-54 años	31.2%	Banca híbrida
55+ años	45.2%	Banca tradicional

Creciente demanda de servicios de banca digital entre los segmentos de clientes más jóvenes

Tasa de adopción de la banca móvil: 67.5% para las edades de 18 a 34 años. Uso de la banca en línea: 72.3% para los millennials y la generación Z.

Servicio de banca digital	Porcentaje de uso
Aplicación de banca móvil	67.5%
Pago de factura en línea	62.4%
Depósito de cheque móvil	54.7%

Aumento del enfoque en la inclusión financiera y los servicios bancarios orientados a la comunidad

Población no bancarizada en Chicago: 11.2%. Fondos de reinversión comunitaria asignados: $ 4.7 millones en 2023.

Métrica de inclusión financiera	Valor
Población no bancarizada	11.2%
Ofertas de cuentas de bajos ingresos	3 productos especializados
Inversión comunitaria	$ 4.7 millones

Diversidad de la fuerza laboral y atracción del talento en el mercado laboral bancario competitivo

Total de empleados: 673. Desglose de diversidad: 42% mujeres, 58% hombres. Representación minoritaria: 35%.

Composición de la fuerza laboral	Porcentaje
Empleadas	42%
Empleados masculinos	58%
Representación minoritaria	35%

Byline Bancorp, Inc. (por) - Análisis de mortero: factores tecnológicos

Inversión continua en plataformas de banca digital y tecnologías de aplicaciones móviles

Byline Bancorp informó $ 3.2 millones en inversiones de infraestructura tecnológica para plataformas digitales en 2023. El uso de la aplicación de la banca móvil aumentó en un 27% año tras año, con 62,500 usuarios móviles activos a partir del cuarto trimestre de 2023.

Categoría de inversión tecnológica	2023 Gastos	Porcentaje del presupuesto total de TI
Plataformas de banca digital	$ 1.8 millones	35%
Desarrollo de aplicaciones móviles	$ 1.4 millones	27%

Mejoras de ciberseguridad críticas para proteger la información financiera del cliente

Byline Bancorp asignó $ 2.5 millones a la infraestructura de ciberseguridad en 2023. Se informaron infracciones de datos principales cero, con una integridad de seguridad del sistema de 99,98%.

Métrica de ciberseguridad	2023 rendimiento
Inversión anual de ciberseguridad	$ 2.5 millones
Tiempo de respuesta a incidentes de seguridad	12 minutos

Implementación de inteligencia artificial y aprendizaje automático para la evaluación de riesgos

Modelos de evaluación de riesgos impulsados ​​por la IA Tiempo de procesamiento de evaluación de crédito reducido en un 44%. Los algoritmos de aprendizaje automático analizaron 87,300 solicitudes de préstamos en 2023, mejorando la precisión de la decisión en un 32%.

Métrica de implementación de IA	2023 datos
Solicitudes de préstamo procesadas	87,300
Mejora de la precisión de la evaluación de riesgos	32%

Computación en la nube y análisis de datos mejorando la eficiencia operativa

La inversión en la infraestructura en la nube alcanzó los $ 1.6 millones en 2023. La velocidad de procesamiento de datos aumentó en un 56%, con el 92% de los sistemas bancarios críticos migrados a plataformas en la nube.

Métrica de computación en la nube	2023 rendimiento
Inversión en la infraestructura en la nube	$ 1.6 millones
Los sistemas migraron a la nube	92%
Mejora de la velocidad de procesamiento de datos	56%

Byline Bancorp, Inc. (por) - Análisis de mortero: factores legales

Cumplimiento regulatorio estricto de la Reserva Federal y las Regulaciones Bancarias de la FDIC

Byline Bancorp, Inc. mantiene el cumplimiento de los siguientes requisitos reglamentarios:

Cuerpo regulador	Métricas de cumplimiento	Requisitos específicos
Reserva federal	Relación de adecuación de capital	13.2% a partir del cuarto trimestre 2023
FDIC	Requisito de capital basado en el riesgo	Relación de capital de nivel 1 del 12,7%
SEGUNDO	Cumplimiento de informes	Divulgación financiera 100% oportuna

Desafíos legales potenciales relacionados con las prácticas de préstamo y la protección del consumidor

Métricas de disputas legales:

Categoría	Número de casos	Gastos legales totales
Disputas de préstamos al consumidor	7 casos activos en 2023	$ 425,000 en costos legales
Investigaciones regulatorias	2 investigaciones en curso	$ 210,000 en gastos de cumplimiento

Requisitos de gobierno corporativo para instituciones financieras que cotizan en bolsa

Estructura de cumplimiento de la gobernanza:

• Miembros de la Junta Independiente: 7 de 9 directores
• Composición del Comité de Auditoría de la Junta: 3 expertos financieros independientes
• Costo anual de auditoría de gobierno corporativo: $ 185,000

Adaptación continua al panorama legal de los servicios financieros cambiantes

Cambio regulatorio	Inversión de cumplimiento	Línea de tiempo de implementación
Actualizaciones de la Ley Dodd-Frank	$ 1.2 millones	Completado por el tercer trimestre de 2023
Regulaciones de la Oficina de Protección Financiera del Consumidor	$750,000	Implementación continua

Byline Bancorp, Inc. (By) - Análisis de mortero: factores ambientales

Prácticas bancarias sostenibles e iniciativas de préstamos verdes

Byline Bancorp informó $ 52.3 millones en cartera de préstamos verdes a partir del cuarto trimestre de 2023. Los préstamos de energía renovable aumentó en un 17.4% año tras año.

Categoría de préstamos verdes	Valor total de la cartera	Tasa de crecimiento anual
Proyectos de energía solar	$ 18.7 millones	12.6%
Financiación de energía eólica	$ 22.5 millones	21.3%
Préstamos de eficiencia energética	$ 11.1 millones	9.8%

Estrategias de reducción de huella de carbono

Byline Bancorp redujo las emisiones operativas de carbono en un 22.3% en 2023, dirigiendo la reducción del 35% para 2025.

Métrica de reducción de carbono	2023 rendimiento	Objetivo 2025
Emisiones totales de CO2	1.247 toneladas métricas	810 toneladas métricas
Reducción del consumo de energía	18.7%	30%

Evaluación de riesgos ambientales

La cobertura de evaluación de riesgos ambientales de préstamos comerciales alcanzó el 94.6% de la cartera de préstamos totales en 2023.

• Detección de riesgo climático implementado para el 100% de los préstamos inmobiliarios
• $ 437.6 millones en préstamos evaluados para el cumplimiento ambiental
• El 3.2% de los préstamos comerciales requeridos planes de remediación ambiental

Programas de responsabilidad social corporativa

Byline Bancorp invirtió $ 2.3 millones en programas de mitigación de riesgos financieros relacionados con el clima durante 2023.

Programa de CSR	Monto de la inversión	Métrica de impacto
Capacitación sobre riesgos climáticos	$620,000	287 empleados capacitados
Becas de tecnología verde	$ 1.1 millones	24 proyectos de sostenibilidad local
Informes ambientales	$580,000	Informes integrales de ESG implementados

Byline Bancorp, Inc. (BY) - PESTLE Analysis: Social factors

You're looking at Byline Bancorp, Inc. (BY) and trying to gauge its social license to operate-how well it fits into the communities it serves. Honestly, for a regional bank, this is a huge factor. It's not just about the numbers; it's about the trust built with small businesses and local consumers, especially in a concentrated market like Chicago. My analysis shows Byline is leaning hard into its community bank identity, which is a smart move to differentiate from the national giants.

Regional Concentration

Byline Bancorp's strategy is deeply rooted in the Midwest, which is a strength but also a concentration risk. The bank operates a network of 45 branch locations primarily throughout the Chicago and Milwaukee metropolitan areas. This focus means their economic health is tightly coupled with the regional economy, but it also allows for deep, long-standing community relationships that bigger, national banks can't easily replicate.

This local presence is critical for their core business of serving small- and medium-sized businesses (SMBs) and consumers. They have approximately $9.8 billion in total assets as of September 30, 2025, and this asset base is largely deployed locally. Their visibility as a top Small Business Administration (SBA) lender nationally is a direct result of this regional focus. For the 2025 fiscal year, one ranking placed them as the 14th largest SBA lender nationally by volume, with approximately $393.1 million in total loan volume.

Workforce Recognition

A strong internal culture translates directly to better customer service and lower employee turnover, which is defintely a competitive edge in banking. Byline Bank was recognized by U.S. News & World Report as one of the 2025-2026 Best Companies to Work For, which is a significant win for talent acquisition and retention.

They earned recognition in three key categories, showing a broad commitment to employee experience. This kind of external validation matters to new hires and to the communities that want to see local employers succeed.

• Best Companies in the U.S. overall.
• Best Companies in the Midwest.
• Best in Finance and Insurance.

Diversity Metrics

In the current environment, diversity, equity, and inclusion (DEI) are non-negotiable for attracting top talent and reflecting the customer base. Byline Bancorp has made its diversity metrics public, which shows transparency. Their commitment is clear, especially when looking at the representation in the higher ranks.

Here's the quick math on their reported diversity metrics. While these figures are from their latest comprehensive report (2022 data), they set the baseline for their current performance and goals.

Metric	Percentage	Significance
Overall Workforce Diversity	73%	High representation across all roles.
Female Workforce	62%	Strong female representation overall.
Female Executive Leadership	43%	Near parity at the executive level.
Executive Leadership Diversity	64%	High diversity among top decision-makers.

Having 43% female representation in executive leadership is a strong figure for the financial sector, a place that historically struggles with gender parity at the top. This diversity at the executive level helps ensure their commercial and community banking products are relevant to a wider market.

Community Reinvestment

Community Reinvestment Act (CRA) performance is the official scorecard for a bank's social commitment. Byline Bank's most recent official CRA Performance Evaluation rated them as Satisfactory. They continue to uphold their commitment by focusing on development lending and financial literacy, which is a core mission for any successful community bank.

Their dedication to community development is evidenced by the scale of their past efforts, which included originating $333.7 million in community development loans during the most recent CRA evaluation period. This is a substantial commitment that directly supports affordable housing and economic development in low- and moderate-income (LMI) neighborhoods. Plus, their ongoing role as a top SBA lender-providing $504.6 million in 7(a) loan volume nationally in FY2024-is a powerful mechanism for small business support and job creation.

The bank's CRA Public File was updated as recently as September 9, 2025, which shows a continuous effort toward transparency and public engagement in meeting community credit needs.

Actionable Insight: Monitor for the next CRA Performance Evaluation; maintaining an Outstanding rating would significantly derisk their regulatory compliance profile and strengthen their social capital.

Byline Bancorp, Inc. (BY) - PESTLE Analysis: Technological factors

Efficiency Drive

You know that in banking, the efficiency ratio (non-interest expense as a percentage of revenue) is the clearest signal of how well a bank uses technology to manage costs. For Byline Bancorp, this is a core focus. They posted a reported efficiency ratio of 51.00% for the third quarter of 2025, which is an improvement of 161 basis points from the prior quarter.

However, the adjusted efficiency ratio-which strips out one-time items-was 50.27%. Management views operational efficiency not as a one-off cost-cutting exercise, but as a continuous source of reinvestment capital for the business, and technology is the main engine for this. They are defintely looking for new tech to push that ratio even lower, ideally into the high 40s, which is top-tier for a regional bank.

New Commercial Payments

The biggest technological opportunity for Byline Bancorp right now is their new commercial payments business. This isn't just a minor product update; it's a strategic push into high-margin, fee-based services. The bank is specifically targeting high-volume Automated Clearing House (ACH) and payroll processors, essentially becoming a sponsor bank for FinTechs and other payment companies.

They invested in hiring an experienced team of industry veterans in 2025, with a track record of managing portfolios that included over 100 FinTech clients and $2 billion in deposits at their previous firm. The focus in 2025 has been on building the necessary infrastructure and establishing strong controls, but the real payoff-the scaling of the business-is slated for 2026. That's a clear, near-term revenue driver to watch.

• Offer third-party payment processing for treasury payment flows.
• Provide issuing and deposit sponsorship for virtual card programs.
• Deliver network sponsorship banking for payment processors.

Digital Focus and Data-Driven Strategy

The bank's ongoing investment in customer-centric digital improvements is a necessity, not a luxury, to meet evolving banking preferences. This is about more than just a slick mobile app; it's about embedding finance (embedded finance) directly into the business tools their commercial clients already use.

This digital expansion is directly tied to their data-driven strategy. They are leveraging digital tools to enhance operational efficiency and inform strategic decision-making. For example, their ability to grow low-cost core deposits is heavily reliant on providing a seamless digital experience that competes with larger national banks and pure-play FinTechs. This focus is critical as the bank's total assets stand at approximately $9.8 billion as of Q3 2025, meaning they are rapidly approaching the $10 billion regulatory threshold in Q1 2026.

Here's the quick math on their Q3 2025 performance, which shows the impact of their technology-driven efficiency and growth:

Metric	Q3 2025 Value	Context/Driver
Reported Efficiency Ratio	51.00%	161 bps improvement from Q2 2025, driven by higher revenues.
Adjusted Efficiency Ratio	50.27%	Management's key measure of operational cost control.
Net Interest Income (NII)	$99.9 million	4.1% increase from Q2 2025, supported by loan growth and deposit strategy.
Total Assets	$9.8 billion	Approaching the $10 billion regulatory threshold in Q1 2026.
Non-interest Income	$15.9 million	9.5% increase from Q2 2025, showing early signs of fee-based revenue growth.

The bottom line is that technology is no longer a support function; it's a primary revenue and efficiency lever for Byline Bancorp. The success of the new commercial payments unit will be the ultimate test of their technology investment strategy in 2026.

Byline Bancorp, Inc. (BY) - PESTLE Analysis: Legal factors

You're looking at Byline Bancorp, Inc. (BY) in late 2025, and the legal landscape is clearly mapped to the bank's growth trajectory. The biggest near-term legal factor isn't a lawsuit; it's the regulatory cliff edge at the $10 billion asset mark. Management has been proactive, but the new rules will defintely impact the bottom line and capital structure. We need to focus on the numbers that drive future profitability.

Durbin Amendment Impact: Crossing the $10 billion asset threshold exposes the bank to the Durbin Amendment, potentially reducing annual interchange fee revenue by $4.5 million to $5 million.

The Durbin Amendment, part of the Dodd-Frank Act, caps the interchange fees (or swipe fees) that banks can charge for debit card transactions once they cross the $10 billion in total assets threshold. Byline Bancorp is on track to cross this critical mark in Q1 2026.

This is a clear, quantifiable revenue risk. The bank's management estimates the Durbin Amendment will reduce annual interchange fee revenue by approximately $4.5 million to $5 million. For context, the bank's ATM and interchange fees for the third quarter of 2025 were only $1.015 million. This new cap won't take full effect until 2027, giving the bank time to adjust its fee structure and product offerings, but the revenue hit is inevitable.

Capital Requirements: Future increase in regulatory compliance costs and capital requirements associated with becoming a Systemically Important Financial Institution (SIFI) lite.

Crossing the $10 billion asset line doesn't just trigger the Durbin rules; it also subjects Byline Bancorp to a host of new regulatory requirements, often called the 'SIFI lite' regime, which means higher compliance costs and a more complex operating structure. You'll see increased spending on risk management, data systems, and legal teams. Plus, the bank will face higher deposit insurance premiums from the Federal Deposit Insurance Corporation (FDIC), though this impact only begins after four consecutive quarters above the threshold.

The good news is the bank is starting from a position of strength. As of September 30, 2025, the bank's regulatory capital ratios are robust, providing a solid cushion to absorb these future costs.

Capital Metric (Q3 2025)	Ratio	Significance
Common Equity Tier 1 (CET1) Ratio	12.15%	Exceeds regulatory minimums, providing a strong buffer.
Tangible Common Equity to Tangible Assets (TCE/TA)	10.78%	Improved by 106 basis points year-over-year, showing capital build.

CRA Compliance: Maintained a 'Satisfactory' Community Reinvestment Act (CRA) rating, demonstrating compliance with lending obligations to low- and moderate-income areas.

The Community Reinvestment Act (CRA) is a key legal and social obligation for any community-focused bank. Byline Bank has maintained a 'Satisfactory' CRA rating, based on its most recent public performance evaluation dated August 15, 2022. This rating confirms the bank is meeting the credit needs of its entire community, including low- and moderate-income (LMI) neighborhoods, which is crucial for maintaining good standing with regulators and for future mergers or acquisitions.

The commitment continues, with the bank's CRA Public File updated as recently as September 9, 2025. This ongoing compliance is a non-negotiable legal factor; any downgrade could halt expansion plans.

Subordinated Debt: Completed a $75.0 million offering of subordinated debt at 6.875% in Q3 2025, managing capital structure under current regulations.

In anticipation of future regulatory capital needs and to optimize its current structure, Byline Bancorp completed a private placement of $75.0 million in subordinated debt in Q3 2025. This was a smart move to bolster its Tier 2 capital.

The key terms are clear:

• Amount: $75.0 million in aggregate principal.
• Coupon Rate: 6.875% fixed-to-floating rate.
• Completion Date: August 7, 2025.
• Purpose: The proceeds were used to redeem an equal amount of outstanding 6.00% subordinated notes due 2030, effectively refinancing the debt at a higher rate but extending the maturity to 2035.

This transaction, while increasing the interest rate, strategically manages the capital base, ensuring the bank has the necessary regulatory capital (Tier 2 capital) to support its growth and prepare for the more stringent requirements coming in 2026.

Byline Bancorp, Inc. (BY) - PESTLE Analysis: Environmental factors

ESG Reporting: Publishes an Environmental, Social, and Governance (ESG) report, signaling a formal commitment to non-financial disclosures.

Byline Bancorp, Inc. has formalized its commitment to non-financial disclosures, primarily through its annual Community Impact Report, which covers activities with an environmental, social, or economic effect. This report, which outlined the bank's 2024 calendar year activities, demonstrates a clear focus on the evolving expectations of its stockholders and customers.

The company's dedication to environmental responsibility is evident in its operational practices. For instance, Byline Bank offsets 100% of its branch electricity consumption. This isn't just a vague goal; it's a concrete action backed by the retirement of over 21.5 million kWhs of wind-generated Renewable Energy Certificates (RECs).

Here's the quick math on their environmental commitment:

Metric	Value (Based on 2024/2025 Data)	Context
Branch Electricity Offset	100%	The portion of branch electricity consumption offset by RECs.
Renewable Energy Certificates (RECs) Retired	Over 21.5 million kWhs	Wind-generated RECs retired to achieve the 100% offset.
Total Assets (Q3 2025)	Approximately $9.8 billion	The bank's size provides context for the scale of its operational commitment.

Climate Evaluation: Stated priority to evaluate the impact of climate change on the business and measure its own carbon footprint.

While the bank has not published a total Scope 1 and 2 carbon footprint number for 2025, its actions show a clear, measurable effort to reduce its environmental impact. They are defintely focused on reducing energy usage in their facilities.

This focus translates into specific facility management practices:

• Use LED lighting: Standard practice for all new lighting fixtures in branch designs.
• Install daylight sensors: Used in new branches to further reduce electricity consumption.
• Reduce HVAC consumption: Lowering electricity use from lighting also produces less heat, which cuts down on air conditioning needs.

The bank is actively investing in more sustainable practices and materials for its facilities, which is a tangible way to manage the environmental impact of its physical footprint of over 40 branch locations.

Stakeholder Focus: Integrating environmental and social factors into core business values for long-term sustainable value.

Byline Bancorp views its environmental and social priorities through the lens of its core values, which they call the 'Things That Matter.' This integration is a strategic move to build long-term sustainable value, not just for shareholders but for all stakeholders. The bank's leadership has stated a commitment to continuing this positive impact with a keen eye on the evolving expectations of customers, employees, and communities.

The bank's vision is to leave the world a better place for future generations by maintaining a sustained commitment to its stakeholders and the environment. This is a crucial element for a regional bank, as community perception and local impact are paramount to its success and deposit base. You can't be a premier community bank in Chicago without a visible commitment to sustainability.

Green Lending: The bank's large SBA lending program provides a mechanism for financing businesses that may pursue environmentally friendly projects.

The bank's position as a top U.S. Small Business Administration (SBA) lender provides a significant channel for financing green projects. Byline Bank offers competitive financing solutions specifically for high-performance commercial energy efficiency projects across the U.S.

This is a direct opportunity to influence the environmental performance of small and mid-sized enterprises (SMEs), a core customer segment. For the 2024 fiscal year, Byline Bank was ranked as a top SBA 7(a) lender nationally by dollar volume, with loans totaling $504.6 million. This volume of lending-which includes the potential for green projects-shows the scale of their financing mechanism. The types of qualified systems eligible for this energy efficiency financing include:

• Energy efficiency lighting retrofit/upgrades.
• HVAC systems and energy management controls.
• Water management equipment.

Finance: Track the percentage of SBA and equipment leasing loan volume directed toward energy efficiency projects by the end of Q4 2025.