BYLINE BANCORP Business Summary

Byline Bancorp, Inc. (BY) operates as the bank holding company for Byline Bank, a Chicago-based commercial entity that generates revenue primarily through net interest income from a diverse loan portfolio and non-interest income derived from service charges, wealth management fees, and gains on the sale of government-guaranteed loans. The company’s primary business segments include Commercial Banking—focusing on commercial real estate, specialty finance, and equipment leasing—and Small Business Capital, where it maintains a national reputation as a top-tier SBA lender. Additionally, its Community Banking segment provides retail and business services across the Chicago metropolitan area. Positioned as the largest community bank in Chicago, Byline is currently scaling toward a $10 billion asset threshold in 2026, competing directly with regional heavyweights such as Wintrust Financial, Associated Banc-Corp, and Banner Corporation by leveraging a relationship-driven model that bridges the gap between small local banks and large national institutions. The current leadership team is anchored by Executive Chairman and CEO Roberto R. Herencia and President Alberto J. Paracchini, both of whom were instrumental in the 2013 recapitalization of the bank’s predecessor through BXM Holdings, Inc. Herencia brings over 30 years of experience, including former roles as CEO of Midwest Banc Holdings and Executive Vice President at Popular Inc., while Paracchini previously held senior leadership positions at Popular Financial Holdings and E-Loan. The executive suite is supported by EVP and CFO Thomas J. Bell III, a 30-year industry veteran, and General Counsel Brian Doran, who joined in early 2025 following a tenure at Republic First Bank. The board of directors features notable international expertise, including Lead Independent Director Antonio del Valle Perochena, Chairman of Kaluz, S.A., reflecting the company's strong ties to sophisticated private investment groups.