Byline Bancorp is a Chicago-based commercial bank holding company that operates through Byline Bank, a community-oriented lender focused on small and medium-sized businesses, commercial real estate owners, and private equity-backed companies in the Chicago metro area. Byline's core loan and lease portfolio spans four segments: commercial and industrial (C&I) lending to small and lower middle-market businesses, commercial real estate, a sponsor finance book targeting private equity-backed companies with conservative leverage, and government-guaranteed SBA/USDA loans through which Byline is the most active SBA 7(a) lender in Illinois and ranks 10th nationally. Byline also runs a small-ticket equipment leasing business through Byline Financial Group, serving SMBs nationally with an average lease size of roughly $84K. Byline earns primarily through net interest income, funded by a low-cost commercial deposit base that includes a large share of non-interest bearing deposits. Byline supplements NII with gain-on-sale income from selling the guaranteed portion of SBA loans into the secondary market, plus servicing fees, treasury management, and wealth management fees. Byline's growth strategy focuses on organic share gains in the Chicago commercial market, a newly launched commercial payments business targeting high-ACH-volume clients, and opportunistic acquisitions of deposit-rich Chicago-area institutions. Byline positions itself in the gap between large national banks, which it argues underserve SMBs, and smaller community banks, which lack the product depth to serve them well.