Byline Bancorp, Inc..

Page 2 of 13 Board Declares Cash Dividend of $0.10 per Share On October 21, 2025, the Company's Board of Directors declared a cash dividend of $0.10 per share.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The dividend will be paid on November 18, 2025, to stockholders of record of the Company's common stock as of November 4, 2025.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The increase in net interest income was primarily due to higher interest income reflecting growth in the loan and lease portfolio, and lower rates paid on deposits, offset by higher interest expense on other borrowings.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The increase was primarily due to lower reliance on brokered time deposits and higher yields on loans and leases, offset by higher costs of borrowings.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The increase in non-interest expense was mainly due to a $1.5 million increase in other non-interest expense driven primarily by a loss related to the extinguishment of subordinated debt issued in 2020.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Total borrowings and other liabilities were $746.5 million at September 30, 2025, an increase of $29.2 million from $717.3 million at June 30, 2025.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

We continue to execute well on our strategic plans and remain focused on becoming the preeminent commercial bank in Chicago.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Paracchini, President of Byline Bancorp, added, Third quarter results highlight the consistency of our execution and the strength of our commercial banking strategy.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

We delivered record earnings, strong profitability, margin expansion, and solid growth in loans, deposits, and fee revenue.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Strong Capital Position (1) Strong Capital Base Capital Ratios (1) Return on Average Tangible Common Equity Common Equity Tier 1 Capital Priorities: Increased capital ratios: CET1 of 12.15%, up 30 bps LQ and up 80 bps YoY TCE/TA(1) of 10.78%, up 39 bps LQ and up 106 YoY $1.2 billion total stockholders’ equity, up 3.8% TBV per common share of $22.58(1), up 4.7% LQ and 11.7% YoY 1.

SEC original ↗Byline Bancorp, Inc.. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Any statements about our expectations, beliefs, plans, strategies, predictions, forecasts, objectives or assumptions of future events or performance are not historical facts and may be forward-looking.

SEC original ↗Byline Bancorp, Inc.. — 10-K Annual report10-KFeb 27, 2026

Forward-looking statements involve estimates and known and unknown risks, and reflect various assumptions and involve elements of subjective judgment and analysis, which may or may not prove to be correct, and which are subject to uncertainties and contingencies outside the control of Byline and its respective affiliates, directors, employees and other representatives, which could cause actual results to differ materially from those presented in this communication.

SEC original ↗Byline Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Forward-looking statements involve estimates and known and unknown risks and reflect various assumptions and involve elements of subjective judgement and analysis, which may or may not prove to be correct, and which are subject to uncertainties and contingencies outside the control of Byline and its respective affiliates, directors, employees and other representatives, which could cause actual results to differ materially from those presented in this communication.

SEC original ↗Byline Bancorp, Inc.. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Legal Proceedings 31 Item 4.

SEC original ↗Byline Bancorp, Inc.. — 10-K Annual report10-KFeb 27, 2026

Accordingly, these statements involve estimates, known and unknown risks, assumptions and uncertainties that could cause actual strategies, actions or results to differ materially from those expressed in such statements, and are not guarantees of future results or other events or performance.

SEC original ↗Byline Bancorp, Inc.. — 10-K Annual report10-KFeb 27, 2026

These risks and uncertainties should be considered in evaluating any forward-looking statements, and undue reliance should not be placed on such statements.

SEC original ↗Byline Bancorp, Inc.. — 10-K Annual report10-KFeb 27, 2026