Wintrust Bank, National Association
Chicago, IL · Cert 33935 · 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 · 37 branches (213 in holding)
Q2 2026
$9.6BAssets
$8.0BLoans
$8.3BDeposits
$1.1BEquity
Executive Summary
- Strongest standing: return on assets outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
- Widest gap: net charge-offs / loans trails 81% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 26 of 31).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.96%
Rank 3 of 31
Net Interest Margin
3.66%
Rank 11 of 31
Efficiency Ratio
45.46%
Rank 13 of 31
Equity / Assets
11.57%
Rank 7 of 31
Non-interest income vs. expense
Unfavorable gap of $79.8M · efficiency ratio beats 61% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.96% | 1.15% | 1.39% | 1.64% | Beats 90% | 3 / 31 | | |
| Return on Equity | 16.92% | 11.05% | 13.35% | 16.66% | Beats 77% | 7 / 31 | | |
| Net Interest Margin | 3.66% | 3.00% | 3.28% | 3.75% | Beats 65% | 11 / 31 | | |
| Efficiency Ratio | 45.46% | 37.25% | 50.71% | 61.60% | Beats 61% | 13 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.18% | 0.41% | 1.00% | Beats 61% | 13 / 31 | | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.04% | 0.11% | Beats 19% | 26 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 12.25% | 10.88% | 11.50% | 13.72% | Beats 61% | 12 / 31 | | |
| Total Risk-Based Capital Ratio | 13.27% | 11.53% | 12.02% | 14.77% | Beats 65% | 11 / 31 | | |
| Equity / Assets | 11.57% | 8.90% | 10.15% | 11.24% | Beats 77% | 7 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.02% | 80.56% | 87.67% | 94.53% | 87th pctl | 4 / 31 | | |
| Loans / Assets | 83.16% | 67.81% | 73.77% | 76.85% | 94th pctl | 2 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |