BY · Byline Bancorp Inc Q2 FY2026 earnings call record财报电话会记录

“First and foremost, exceptional talent, disciplined underwriting, local decision-making, and a commitment to serving customers over the long term.”

“Scale matters, but only to the extent that it allows us to serve customers well, attract talent, and invest in capabilities.”

“We grew profitability, we continued to manage risk carefully, and more importantly, we continued to deliver value to our shareholders.”

“Non-interest expenses remain well managed and declined this quarter while revenue grew.”

“Deposits increased 3.5% to $7.9 billion, reflecting growth in interest-bearing deposits.”

“Between dividends and share repurchases, our total payout ratio to shareholders for the quarter was 36%.”

“Assuming payoff activity normalizes in the back half of the year, we expect full-year loan growth in the mid-single digits.”

“The net interest margin remained healthy at 428, declining 5 basis points from last quarter.”

“Given the rate outlook and our balance sheet forecast, we expect net interest income range of $100 million-$102 million for the third quarter.”

“We expect gain on sale revenues to average $5.5 million per quarter and our non-interest income to be in the $14 million-$15 million range for the third quarter.”

“Non-performing loans were $69.1 million, or 92 basis points of total loans, up marginally linked quarter and flat year-over-year.”

“Second, given the environment, solid but selective credit demand, sharper loan and deposit competition that isn't going away, we intend to stay disciplined rather than chase volume or spread that doesn't compensate us properly for the risk.”