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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 2.22% | 2.20% | 1.74% | 1.99% | -23 bps | |
| Return on Equity | 24.28% | 24.44% | 24.18% | 18.59% | 21.10% | -318 bps | |
| Net Interest Margin | 3.19% | 3.14% | 3.06% | 3.18% | 3.24% | +4 bps | |
| Efficiency Ratio | 41.42% | 41.71% | 41.32% | 43.46% | 42.36% | +94 bps | |
| Non-Interest Burden | 0.06% | 0.08% | 0.07% | 0.22% | 0.10% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.29% | 10.52% | 10.91% | 3.14% | -3.07% | -1,436 bps | |
| Loan Growth (YoY) | 9.54% | 8.52% | 11.03% | 11.89% | 6.21% | -333 bps | |
| Deposit Growth (YoY) | 16.18% | 18.00% | 14.85% | 2.68% | -2.45% | -1,862 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.33% | 0.35% | 0.35% | 0.34% | +4 bps | |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.52% | 9.19% | 9.09% | 9.57% | 9.93% | +41 bps | |
| Total Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.37% | 92.09% | 94.49% | 99.70% | 97.31% | +794 bps | |
| Liquid Assets / Assets | 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 |