0000000000-24-014059.txt : 20250213 0000000000-24-014059.hdr.sgml : 20250213 20241219153616 ACCESSION NUMBER: 0000000000-24-014059 CONFORMED SUBMISSION TYPE: UPLOAD PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20241219 FILED FOR: COMPANY DATA: COMPANY CONFORMED NAME: BYLINE BANCORP, INC. CENTRAL INDEX KEY: 0001702750 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 363012593 FILING VALUES: FORM TYPE: UPLOAD SEC FILE NUMBER: 001-38139 BUSINESS ADDRESS: BUSINESS PHONE: 773-244-7000 MAIL ADDRESS: STREET 1: 180 NORTH LASALLE STREET, SUITE 300 CITY: CHICAGO STATE: IL ZIP: 60601 PUBLIC REFERENCE ACCESSION NUMBER: 0000950170-24-024969 LETTER 1 filename1.pdf begin 644 filename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Bell Chief Financial Officer and Treasurer Byline Bancorp, Inc. 180 North LaSalle Street Suite 300 Chicago, IL 60601 Re: Byline Bancorp, Inc. Form 10-K for the Fiscal Year Ended December 31, 2023 File No. 001-38139 Dear Thomas J. Bell: We have limited our review of your filing to the financial statements and related disclosures and have the following comments. Please respond to this letter within ten business days by providing the requested information or advise us as soon as possible when you will respond. If you do not believe a comment applies to your facts and circumstances, please tell us why in your response. After reviewing your response to this letter, we may have additional comments. Form 10-K for Fiscal Year Ended December 31, 2023 Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations, page 34 1. We note that commercial real estate loans totaled $2.3 billion, or 65.0%, of real estate loans and 34.7% of the total loan and lease portfolio at December 31, 2023. In addition, your disclosure on page 6 discusses that your CRE portfolio is broadly diversified by geography and property type including loans secured by multifamily, industrial, retail, and office properties. Please revise your disclosures, in future filings, to provide disaggregation and quantification of the composition of your CRE loan portfolio by geography, property type and other characteristics (e.g., current weighted average and/or range of loan-to-value ratios, occupancy rates, etc.). For example, your disclosure should include details similar to those provided on slides 15 and 16 of Exhibit 99.2 of your Third Quarter of 2024 earnings presentation. 2. In addition, please revise your future filings to discuss any changes in the loan composition from period to period and how those changes correspond to risk December 19, 2024 Page 2 management and other strategic focuses implemented by management during the period. For example, include discussion of any changes to underwriting standards, areas of focus or other factors that may have caused an increase or decrease to a loan category (e.g., office, multi-family, etc.). In closing, we remind you that the company and its management are responsible for the accuracy and adequacy of their disclosures, notwithstanding any review, comments, action or absence of action by the staff. Please contact Michael Henderson at 202-551-3364 or Robert Klein at 202-551-3847 with any questions. Sincerely, Division of Corporation Finance Office of Finance