Wheaton, IL · Cert 33803 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #23 of 147 inst. · $4.1B 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 | 1.37% | 1.38% | 1.38% | 1.42% | 1.48% | 1.46% | 1.56% | 1.60% | +18 bps | |
| Return on Equity | 14.41% | 14.61% | 14.88% | 15.42% | 16.07% | 15.90% | 16.87% | 17.60% | +218 bps | |
| Net Interest Margin | 2.83% | 2.79% | 3.07% | 2.94% | 2.78% | 2.74% | 2.96% | 2.87% | -7 bps | |
| Efficiency Ratio | 37.75% | 37.37% | 36.80% | 36.19% | 35.62% | 35.07% | 33.63% | 32.56% | -363 bps | |
| Non-Interest Burden | 0.85% | 0.82% | 0.90% | 0.83% | 0.77% | 0.76% | 0.77% | 0.70% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.12% | 13.78% | 19.72% | 17.73% | 15.64% | 22.34% | 18.79% | 17.71% | -2 bps | |
| Loan Growth (YoY) | 13.38% | 13.67% | 19.68% | 19.38% | 18.63% | 16.21% | 15.11% | 10.52% | -886 bps | |
| Deposit Growth (YoY) | 16.41% | 13.78% | 20.47% | 18.90% | 16.34% | 23.79% | 19.93% | 19.45% | +55 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.44% | 0.40% | 0.39% | 0.38% | 0.47% | 0.40% | 0.53% | +13 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.15% | 0.15% | 0.07% | 0.10% | 0.15% | 0.21% | 0.17% | +9 bps | |
| Allowance / Loans | 0.92% | 0.84% | 0.85% | 0.77% | 0.70% | 0.64% | 0.59% | 0.51% | -26 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 2.1x | 2.0x | 1.9x | 1.4x | 1.5x | 1.0x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 9.07% | 9.28% | 9.33% | 9.06% | 9.01% | 9.42% | 9.10% | -23 bps | |
| Total Risk-Based Capital | 11.54% | 11.43% | 11.59% | 11.19% | 11.37% | 11.34% | 11.75% | 11.32% | +13 bps | |
| Equity / Assets | 9.25% | 9.14% | 9.40% | 9.06% | 9.32% | 9.10% | 9.42% | 8.81% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.79% | 84.93% | 85.02% | 84.28% | 83.40% | 79.73% | 81.61% | 77.98% | -630 bps | |
| Liquid Assets / Assets | 17.71% | 15.30% | 15.68% | 14.57% | 12.33% | 12.80% | 11.15% | 13.83% | -74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.41% | 158.97% | 159.51% | n/a | n/a | |