HIGHBuilt-inLoan_portfolio
87%
core deposits
“10-K Item 1: 'As of December 31, 2025, core deposits represented 87.0% of our total deposits.'”
BY · Concentration risk · 10-K extracted
Byline Bancorp (BY) concentration risks
Updated
The most significant concentration Byline Bancorp discloses is core deposits at 87%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Source: Byline Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH1
MEDIUM2
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inCustomer
43%
commercial deposits
“10-K Item 1: 'As of December 31, 2025, commercial deposits accounted for 43.0% of total deposits and were 85.1% of non-interest bearing deposits.'”
MEDIUMBuilt-inGeographic
Chicago metropolitan area and Illinois
“10-K Item 1A: 'with the majority of these real estate loans concentrated in the Chicago metropolitan area and the State of Illinois'”
LOWOutside partyCustomer
13.6%
top 50 customers
“10-K Item 1: 'our top 50 customers accounting for approximately 13.6% of all deposits as of December 31, 2025'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Byline Bancorp's balance sheet shows a funding profile concentrated in core deposits, which represented 87.0% of total deposits — a structural characteristic of its retail and community banking franchise rather than a dependency on any one counterparty. Within that base, commercial deposits account for 43.0% of total deposits and 85.1% of non-interest-bearing deposits, meaning a large share of the bank's cheapest funding source is tied to business relationships that could turn more rate-sensitive or migrate in a downturn. Geographically, lending is concentrated in the Chicago metropolitan area and Illinois, another structural feature that ties results to regional economic conditions rather than a discrete counterparty. By contrast, customer-level concentration is comparatively contained: the top 50 customers account for approximately 13.6% of all deposits, a modest share that limits idiosyncratic withdrawal risk. Taken together, these exposures are largely structural — core deposit strength, commercial funding mix, and regional lending focus — rather than customer-dependency risk, with the top-50 relationship base being the smallest and least concerning of the four disclosed exposures.
For the engine’s reasoning on BY’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| BY● | Byline Bancorp, Inc. | 1 | 2 | 1 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.