Byline Bancorp, Inc. (BY): Analyse de Pestle [Jan-2025 MISE À JOUR]

Plongeant dans le monde complexe de Byline Bancorp, Inc. (BY), cette analyse de pilon dévoile la tapisserie complexe des forces façonnant le paysage stratégique de la banque basée à Chicago. Des courants politiques nuancés de l'Illinois aux innovations technologiques de pointe transformant la banque, nous explorerons l'environnement extérieur multiforme qui influence la trajectoire de cette institution financière. Préparez-vous à découvrir les facteurs critiques stimulant la résilience, les défis et le potentiel de croissance de Bancorp de Bancorp dans un écosystème financier en constante évolution.

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs politiques

Banque basée à Chicago opérant dans l'environnement réglementaire de l'Illinois

Les réglementations bancaires de l'Illinois ont un impact direct sur les stratégies opérationnelles de Bancorp. Au quatrième trimestre 2023, la banque doit se conformer aux directives bancaires spécifiques à l'État qui incluent:

Aspect réglementaire	Exigences de conformité
Exigences de réserve de capital	Ratio de capital minimum de 8,5% de niveau 1
Mandats de prêts communautaires	Portfolio minimum de 15% de prêts en petites entreprises
Normes de protection des consommateurs	Protocoles de divulgation et de transparence strictes

Impacts de la politique bancaire fédérale

Les politiques bancaires fédérales actuelles dans le cadre de l'administration Biden influencent potentiellement Byline Pratiques de prêt de Bancorp. Les principales considérations politiques comprennent:

• Ajustements des taux d'intérêt fédéraux par Réserve fédérale
• Programmes d'incitation aux prêts aux petites entreprises
• Exigences de conformité réglementaire améliorées

Initiatives de développement économique régional

Les programmes de développement économique de l'État de l'Illinois offrent des opportunités de croissance stratégique pour Byline Bancorp, avec des incitations financières potentielles:

Initiative	Impact financier potentiel
Programme de développement commercial de l'Illinois	2,5 millions de dollars disponibles en subventions
Programme de prêt de revitalisation urbaine	Allocations de prêts à faible intérêt jusqu'à 10 millions de dollars

Conformité de la Loi sur le réinvestissement communautaire

Les stratégies d'engagement communautaire de Byline Bancorp sont façonnées par les exigences fédérales sur la loi sur la réinvestissement communautaire, avec des mesures spécifiques:

• 2023 Investissements au développement communautaire: 4,7 millions de dollars
• Prêt de quartier à revenu faible à modéré: 22% du portefeuille total
• Heures de service communautaire: 3 200 heures de bénévolat des employés

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs économiques

Conditions économiques régionales à Chicago et Illinois

Au quatrième trimestre 2023, le PIB de la région métropolitaine de Chicago était de 689,3 milliards de dollars. Taux de chômage de l'État de l'Illinois: 4,1%. Taille du marché des prêts aux petites entreprises de Chicago: 24,6 milliards de dollars.

Indicateur économique	Valeur	Année
PIB du métro de Chicago	689,3 milliards de dollars	2023
Taux de chômage de l'Illinois	4.1%	2023
Marché de prêts aux petites entreprises de Chicago	24,6 milliards de dollars	2023

Impact des taux d'intérêt

Taux des fonds fédéraux en janvier 2024: 5,33%. BYLINE BANCORP's NET INTERNET MARGINE: 3,52% au troisième trimestre 2023. Revenu des intérêts nets: 56,4 millions de dollars.

Métrique des taux d'intérêt	Valeur	Période
Taux de fonds fédéraux	5.33%	Janvier 2024
Marge d'intérêt net	3.52%	Q3 2023
Revenu net d'intérêt	56,4 millions de dollars	Q3 2023

Marché de prêts commerciaux de petite à moyenne

Chicago Metropolitan Commercial Lending Volume: 87,2 milliards de dollars. BYLINE Portfolio de prêts commerciaux de Bancorp: 2,3 milliards de dollars au troisième trimestre 2023.

Métrique de prêt commercial	Valeur	Période
Volume de prêt commercial de métro de Chicago	87,2 milliards de dollars	2023
BYLINE BANCORP PORTFOLIO DE PROGICATION COMMERCIAL	2,3 milliards de dollars	Q3 2023

Impact potentiel de ralentissement économique

Byline Bancorp's Loss Dovisions: 12,7 millions de dollars au troisième trimestre 2023. Prêts non performants: 45,3 millions de dollars. Ratio de capital de niveau 1: 13,2%.

Métrique de risque de crédit	Valeur	Période
Dispositions de perte de prêt	12,7 millions de dollars	Q3 2023
Prêts non performants	45,3 millions de dollars	Q3 2023
Ratio de capital de niveau 1	13.2%	Q3 2023

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs sociaux

Les changements démographiques dans la zone métropolitaine de Chicago affectent la clientèle et les préférences bancaires

Population de la région métropolitaine de Chicago: 9 618 502 à partir de 2022. Age médian: 37,4 ans. Taux de croissance démographique: 0,1% par an.

Groupe d'âge	Pourcentage	Préférence bancaire
18-34 ans	23.6%	Banque numérique
35 à 54 ans	31.2%	Banque hybride
Plus de 55 ans	45.2%	Banque traditionnelle

Demande croissante de services bancaires numériques parmi les segments de clients plus jeunes

Taux d'adoption des banques mobiles: 67,5% pour les 18 à 34 ans. Utilisation des services bancaires en ligne: 72,3% pour les milléniaux et Gen Z.

Service bancaire numérique	Pourcentage d'utilisation
Application bancaire mobile	67.5%
Payage des factures en ligne	62.4%
Dépôt de chèques mobiles	54.7%

Accent croissant sur l'inclusion financière et les services bancaires axés sur la communauté

Population non bancarisée à Chicago: 11,2%. Fonds de réinvestissement communautaire alloués: 4,7 millions de dollars en 2023.

Métrique d'inclusion financière	Valeur
Population non bancarisée	11.2%
Offres de compte à faible revenu	3 produits spécialisés
Investissement communautaire	4,7 millions de dollars

Diversité de la main-d'œuvre et attraction des talents sur le marché du travail bancaire compétitif

Total des employés: 673. Répartition de la diversité: 42% des femmes, 58% d'hommes. Représentation minoritaire: 35%.

Composition de la main-d'œuvre	Pourcentage
Employés	42%
Employés masculins	58%
Représentation minoritaire	35%

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs technologiques

Investissement continu dans les plateformes bancaires numériques et les technologies d'application mobile

Byline Bancorp a déclaré 3,2 millions de dollars en investissements technologiques sur l'infrastructure pour les plateformes numériques en 2023. L'utilisation des applications bancaires mobiles a augmenté de 27% d'une année à l'autre, avec 62 500 utilisateurs mobiles actifs au quatrième trimestre 2023.

Catégorie d'investissement technologique	2023 dépenses	Pourcentage du budget informatique total
Plateformes bancaires numériques	1,8 million de dollars	35%
Développement d'applications mobiles	1,4 million de dollars	27%

Améliorations de la cybersécurité essentielles pour protéger les informations financières des clients

Byline Bancorp a alloué 2,5 millions de dollars à l'infrastructure de cybersécurité en 2023. Une infraction importante à des données majeures a été signalée, avec une intégrité de sécurité du système de 99,98%.

Métrique de la cybersécurité	Performance de 2023
Investissement annuel de cybersécurité	2,5 millions de dollars
Temps de réponse des incidents de sécurité	12 minutes

Intelligence artificielle et mise en œuvre de l'apprentissage automatique pour l'évaluation des risques

Les modèles d'évaluation des risques dirigés par AI ont réduit le temps de traitement d'évaluation du crédit de 44%. Les algorithmes d'apprentissage automatique ont analysé 87 300 demandes de prêt en 2023, améliorant la précision de la décision de 32%.

Métrique de mise en œuvre de l'IA	2023 données
Demandes de prêt traitées	87,300
Amélioration de la précision de l'évaluation des risques	32%

Cloud Computing et analyse des données Amélioration de l'efficacité opérationnelle

L'investissement dans les infrastructures cloud a atteint 1,6 million de dollars en 2023. La vitesse de traitement des données a augmenté de 56%, 92% des systèmes bancaires critiques ont migré vers les plates-formes cloud.

Métrique de cloud computing	Performance de 2023
Investissement dans les infrastructures cloud	1,6 million de dollars
Les systèmes ont migré vers le cloud	92%
Amélioration de la vitesse de traitement des données	56%

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs juridiques

Conformité réglementaire stricte aux réglementations de la Réserve fédérale et de la FDIC

Byline Bancorp, Inc. maintient le respect des exigences réglementaires suivantes:

Corps réglementaire	Métriques de conformité	Exigences spécifiques
Réserve fédérale	Ratio d'adéquation des capitaux	13,2% au quatrième trimestre 2023
FDIC	Exigence de capital basée sur les risques	Ratio de capital de niveau 1 de 12,7%
SECONDE	Rapport de la conformité	Divulgation financière à 100% opportun

Des défis juridiques potentiels liés aux pratiques de prêt et à la protection des consommateurs

Métriques des litiges juridiques:

Catégorie	Nombre de cas	Dépenses juridiques totales
Conflits de prêt à la consommation	7 cas actifs en 2023	425 000 $ en frais juridiques
Enquêtes réglementaires	2 enquêtes en cours	210 000 $ en frais de conformité

Exigences de gouvernance d'entreprise pour les institutions financières cotées en bourse

Structure de la conformité de la gouvernance:

• Membres indépendants du conseil d'administration: 7 administrateurs sur 9
• Composition du comité d'audit du conseil: 3 experts financiers indépendants
• Coût annuel d'audit de la gouvernance d'entreprise: 185 000 $

Adaptation continue à l'évolution du paysage juridique des services financiers

Changement de réglementation	Investissement de conformité	Chronologie de la mise en œuvre
Mises à jour de la loi Dodd-Frank	1,2 million de dollars	Terminé par troisième trimestre 2023
Règlement du Bureau de la protection financière des consommateurs	$750,000	Mise en œuvre continue

Byline Bancorp, Inc. (BY) - Analyse du pilon: facteurs environnementaux

Pratiques bancaires durables et initiatives de prêt vert

Byline Bancorp a déclaré 52,3 millions de dollars en portefeuille de prêts verts au T2 2023. Les prêts aux énergies renouvelables ont augmenté de 17,4% d'une année à l'autre.

Catégorie de prêt vert	Valeur totale du portefeuille	Taux de croissance annuel
Projets d'énergie solaire	18,7 millions de dollars	12.6%
Financement de l'énergie éolienne	22,5 millions de dollars	21.3%
Prêts d'efficacité énergétique	11,1 millions de dollars	9.8%

Stratégies de réduction de l'empreinte carbone

Byline Bancorp a réduit les émissions de carbone opérationnelles de 22,3% en 2023, ciblant 35% de réduction d'ici 2025.

Métrique de réduction du carbone	Performance de 2023	Cible 2025
Émissions totales de CO2	1 247 tonnes métriques	810 tonnes métriques
Réduction de la consommation d'énergie	18.7%	30%

Évaluation des risques environnementaux

Les prêts commerciaux à l'évaluation des risques environnementaux ont atteint 94,6% du portefeuille total des prêts en 2023.

• Le dépistage des risques climatiques mis en œuvre pour 100% des prêts immobiliers
• 437,6 millions de dollars de prêts évalués pour la conformité environnementale
• 3,2% des prêts commerciaux nécessitaient des plans de correction environnementale

Programmes de responsabilité sociale des entreprises

Byline Bancorp a investi 2,3 millions de dollars dans les programmes d'atténuation des risques financiers liés au climat en 2023.

Programme RSE	Montant d'investissement	Impact métrique
Formation au risque climatique	$620,000	287 employés formés
Subventions à la technologie verte	1,1 million de dollars	24 projets locaux de durabilité
Reportage environnemental	$580,000	Rapports ESG complets mis en œuvre

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.