Arlington Heights, IL · Cert 34011 · 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) · 0.5% share · #26 of 147 inst. · $3.0B 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 | 1.98% | 1.97% | 1.76% | 1.94% | 1.91% | 1.87% | 2.28% | 2.09% | +14 bps | |
| Return on Equity | 18.90% | 19.09% | 17.29% | 19.09% | 18.92% | 18.65% | 22.44% | 20.63% | +154 bps | |
| Net Interest Margin | 3.64% | 3.47% | 3.60% | 3.54% | 3.41% | 3.37% | 3.52% | 3.45% | -9 bps | |
| Efficiency Ratio | 34.36% | 33.33% | 31.61% | 31.54% | 31.13% | 31.06% | 30.51% | 30.37% | -117 bps | |
| Non-Interest Burden | 0.98% | 0.89% | 0.88% | 0.84% | 0.79% | 0.77% | 0.76% | 0.70% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.72% | 19.60% | 15.80% | 10.32% | 15.50% | 12.86% | 11.45% | 13.55% | +323 bps | |
| Loan Growth (YoY) | 10.89% | 19.23% | 15.59% | 15.14% | 13.28% | 7.96% | 9.74% | 12.23% | -291 bps | |
| Deposit Growth (YoY) | 9.82% | 20.16% | 18.25% | 10.74% | 17.60% | 11.54% | 10.23% | 12.16% | +142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.42% | 0.43% | 0.49% | 0.47% | 0.40% | 0.63% | 0.46% | -2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.03% | 0.09% | 0.08% | -0.02% | -0.02% | 0.07% | -3 bps | |
| Allowance / Loans | 0.91% | 0.86% | 0.94% | 0.81% | 0.82% | 0.91% | 0.85% | 0.88% | +7 bps | |
| Allowance Coverage of NPLs | 4.4x | 2.0x | 2.2x | 1.7x | 1.7x | 2.2x | 1.3x | 1.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.62% | 9.94% | 9.91% | 9.30% | 9.43% | 9.84% | 9.53% | -38 bps | |
| Total Risk-Based Capital | 11.68% | 11.46% | 12.18% | 11.95% | 11.50% | 11.59% | 12.18% | 11.88% | -7 bps | |
| Equity / Assets | 10.32% | 9.91% | 10.42% | 10.22% | 9.83% | 9.89% | 10.44% | 10.00% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.70% | 96.16% | 95.38% | 94.47% | 92.19% | 93.07% | 94.95% | 94.53% | +6 bps | |
| Liquid Assets / Assets | 9.17% | 9.83% | 10.50% | 8.68% | 6.44% | 5.29% | 4.80% | 5.03% | -365 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.47% | 174.30% | 163.48% | n/a | n/a | |