Chicago, IL · Cert 33935 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 37 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.3% share · #13 of 147 inst. · $8.3B 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 | 1.86% | 1.95% | 1.95% | 1.78% | 1.79% | 1.88% | 1.98% | 1.98% | +20 bps | |
| Return on Equity | 16.94% | 17.65% | 17.29% | 15.80% | 15.92% | 16.75% | 17.33% | 17.21% | +141 bps | |
| Net Interest Margin | 3.63% | 3.63% | 3.65% | 3.71% | 3.71% | 3.68% | 3.67% | 3.66% | -5 bps | |
| Efficiency Ratio | 45.43% | 45.38% | 46.27% | 46.25% | 46.19% | 45.77% | 44.91% | 45.35% | -90 bps | |
| Non-Interest Burden | 0.74% | 0.78% | 1.05% | 1.01% | 0.99% | 0.96% | 0.83% | 0.83% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | -1.10% | 0.55% | -0.02% | -1.82% | 1.48% | -3.76% | 0.04% | +6 bps | |
| Loan Growth (YoY) | 3.24% | -1.43% | -3.30% | -1.75% | -3.97% | -0.25% | 1.49% | 0.38% | +213 bps | |
| Deposit Growth (YoY) | 2.82% | -0.77% | 1.81% | 0.07% | -2.11% | 2.11% | -5.13% | -0.22% | -30 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.34% | 0.44% | 0.72% | 0.47% | 0.39% | 0.36% | 0.36% | -36 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.51% | 0.27% | 0.28% | 0.42% | 0.45% | 0.35% | 0.24% | -4 bps | |
| Allowance / Loans | 1.05% | 1.01% | 0.99% | 1.13% | 1.09% | 0.97% | 0.95% | 0.97% | -16 bps | |
| Allowance Coverage of NPLs | 2.1x | 3.0x | 2.3x | 1.6x | 2.3x | 2.5x | 2.6x | 2.7x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 11.14% | 11.05% | 10.84% | 10.76% | 10.52% | 11.29% | 11.41% | +57 bps | |
| Total Risk-Based Capital | 11.95% | 12.71% | 12.68% | 12.45% | 12.74% | 12.53% | 13.08% | 13.27% | +82 bps | |
| Equity / Assets | 11.05% | 11.40% | 11.17% | 11.17% | 11.36% | 11.06% | 11.83% | 11.57% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.28% | 96.55% | 92.86% | 95.45% | 95.43% | 94.32% | 99.33% | 96.02% | +58 bps | |
| Liquid Assets / Assets | 5.28% | 5.99% | 8.91% | 6.83% | 7.39% | 8.69% | 5.31% | 6.70% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 292% | 279% | n/a | n/a | |