Hinsdale, IL · Cert 33849 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 17 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.9% share · #17 of 147 inst. · $5.6B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.21% | 1.50% | 1.39% | 1.71% | 1.51% | 1.44% | 1.51% | +12 bps | |
| Return on Equity | 13.00% | 11.30% | 14.19% | 13.28% | 15.95% | 13.96% | 13.68% | 14.96% | +167 bps | |
| Net Interest Margin | 3.04% | 3.09% | 3.09% | 3.11% | 3.25% | 3.29% | 3.25% | 3.13% | +2 bps | |
| Efficiency Ratio | 44.46% | 42.72% | 40.37% | 39.44% | 38.03% | 37.72% | 36.28% | 36.89% | -255 bps | |
| Non-Interest Burden | 1.16% | 1.11% | 1.04% | 1.03% | 1.01% | 0.99% | 0.92% | 0.92% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.98% | 10.95% | 11.06% | 7.73% | 7.48% | 12.95% | 14.55% | 18.65% | +1,092 bps | |
| Loan Growth (YoY) | 15.95% | 13.79% | 16.07% | 10.21% | 8.26% | 11.72% | 11.09% | 15.99% | +578 bps | |
| Deposit Growth (YoY) | 9.08% | 6.62% | 8.42% | 8.48% | 9.59% | 11.97% | 14.82% | 19.98% | +1,150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.28% | 0.10% | 0.11% | 0.15% | 0.15% | 0.14% | 0.16% | +5 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.25% | 0.06% | 0.04% | -0.05% | 0.03% | -0.06% | 0.06% | +2 bps | |
| Allowance / Loans | 0.66% | 0.68% | 0.65% | 0.65% | 0.60% | 0.58% | 0.66% | 0.66% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.5x | 6.7x | 5.7x | 3.9x | 4.0x | 4.9x | 4.0x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.61% | 9.30% | 9.47% | 9.68% | 9.88% | 9.45% | 9.20% | -26 bps | |
| Total Risk-Based Capital | 11.55% | 11.87% | 11.30% | 11.45% | 11.76% | 11.70% | 11.46% | 11.34% | -11 bps | |
| Equity / Assets | 10.63% | 10.76% | 10.33% | 10.61% | 10.80% | 10.85% | 10.17% | 10.05% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.49% | 93.35% | 92.31% | 93.09% | 91.37% | 93.15% | 89.31% | 90.00% | -309 bps | |
| Liquid Assets / Assets | 10.71% | 11.00% | 9.86% | 9.21% | 8.33% | 8.19% | 9.78% | 9.64% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 198.79% | 211% | n/a | n/a | |