Lake Forest, IL · Cert 27589 · Wintrust Financial Corp.
National charter · OCC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
62
Profitability
79
Liquidity
0
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lake Forest, IL · Cert 27589 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.1% share · #16 of 147 inst. · $6.9B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 2.18% | 1.99% | 2.21% | 2.22% | 2.20% | 1.74% | 1.99% | -23 bps | |
| Return on Equity | 23.32% | 23.03% | 21.40% | 24.28% | 24.44% | 24.18% | 18.59% | 21.10% | -318 bps | |
| Net Interest Margin | 3.35% | 3.30% | 3.20% | 3.19% | 3.14% | 3.06% | 3.18% | 3.24% | +4 bps | |
| Efficiency Ratio | 42.48% | 42.78% | 43.15% | 41.42% | 41.71% | 41.32% | 43.46% | 42.36% | +94 bps | |
| Non-Interest Burden | 0.21% | 0.22% | 0.19% | 0.06% | 0.08% | 0.07% | 0.22% | 0.10% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 4.92% | 12.63% | 11.29% | 10.52% | 10.91% | 3.14% | -3.07% | -1,436 bps | |
| Loan Growth (YoY) | 8.38% | 8.23% | 7.70% | 9.54% | 8.52% | 11.03% | 11.89% | 6.21% | -333 bps | |
| Deposit Growth (YoY) | -1.89% | 4.35% | 16.40% | 16.18% | 18.00% | 14.85% | 2.68% | -2.45% | -1,862 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.34% | 0.33% | 0.30% | 0.33% | 0.35% | 0.35% | 0.34% | +4 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.15% | 0.02% | 0.05% | 0.09% | 0.08% | 0.05% | 0.03% | -3 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.13% | 9.70% | 9.61% | 9.52% | 9.19% | 9.09% | 9.57% | 9.93% | +41 bps | |
| Total Risk-Based Capital | 12.24% | 11.77% | 12.34% | 11.98% | 11.78% | 11.70% | 11.89% | 12.02% | +4 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.13% | 97.75% | 91.49% | 89.37% | 92.09% | 94.49% | 99.70% | 97.31% | +794 bps | |
| Liquid Assets / Assets | 7.10% | 6.89% | 6.58% | 5.91% | 5.96% | 5.72% | 5.84% | 5.55% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Lake Forest, IL · Cert 27589 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)
Q2 2026
Return on Assets
1.98%
Rank 2 of 31
Net Interest Margin
3.24%
Rank 17 of 31
Efficiency Ratio
42.37%
Rank 11 of 31
Equity / Assets
9.50%
Rank 21 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.98% | 1.15% | 1.39% | 1.64% | Beats 94% | 2 / 31 | ||
| Return on Equity | 20.84% | 11.05% | 13.35% | 16.66% | Beats 97% | 1 / 31 | ||
| Net Interest Margin | 3.24% | 3.00% | 3.28% | 3.75% | Beats 45% | 17 / 31 | ||
| Efficiency Ratio | 42.37% | 37.25% | 50.71% | 61.60% | Beats 68% | 11 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.18% | 0.41% | 1.00% | Beats 65% | 12 / 31 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.04% | 0.11% | Beats 58% | 14 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.16% | 10.88% | 11.50% | 13.72% | Beats 39% | 19 / 31 | ||
| Total Risk-Based Capital Ratio | 12.02% | 11.53% | 12.02% | 14.77% | Beats 48% | 16 / 31 | ||
| Equity / Assets | 9.50% | 8.90% | 10.15% | 11.24% | Beats 32% | 21 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.31% | 80.56% | 87.67% | 94.53% | 90th pctl | 3 / 31 | ||
| Loans / Assets | 74.73% | 67.81% | 73.77% | 76.85% | 58th pctl | 13 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||