{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-117060","form_type":"8-K","ticker":"BY","cik":"0001702750","company_name":"BYLINE BANCORP, INC.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.276238+00:00","generated_at":"2026-05-30T10:33:03.549074+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Byline Bancorp Q3 net income $30.3M, EPS $0.69; announces merger with First Security","bullets":["Net income $30.3M ($0.69 diluted EPS), vs $29.7M ($0.68) in Q2 and $28.2M ($0.65) a year ago.","Total revenue $101.8M, up 2.5% QoQ; NIM 3.88%, down 10 bps QoQ; net interest income $87.5M.","Tangible book value per share $20.21, up 7.3% QoQ and 23.6% YoY; CET1 ratio 11.35% (up 51 bps).","Deposits grew $150.7M to $7.5B; loan/deposit ratio fell 196 bps to 92.02%.","Announced definitive merger agreement with First Security Bancorp, expected to close in 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-117060","json":"https://secwatch.observer/filing/0000950170-24-117060.json","markdown":"https://secwatch.observer/filing/0000950170-24-117060.md","text":"https://secwatch.observer/filing/0000950170-24-117060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1702750/000095017024117060/0000950170-24-117060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1702750/000095017024117060/by-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:33:03.549074+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}