Libertyville, IL · Cert 34073 · 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 · #27 of 147 inst. · $2.9B 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 | 1.71% | 1.68% | 1.65% | 1.70% | 1.68% | 1.65% | 1.47% | 1.50% | -20 bps | |
| Return on Equity | 18.65% | 18.46% | 18.61% | 19.19% | 19.07% | 18.55% | 15.99% | 16.75% | -244 bps | |
| Net Interest Margin | 3.22% | 3.21% | 3.24% | 3.17% | 3.09% | 3.07% | 3.28% | 3.24% | +6 bps | |
| Efficiency Ratio | 35.08% | 35.04% | 34.88% | 34.82% | 35.34% | 34.54% | 33.83% | 33.42% | -140 bps | |
| Non-Interest Burden | 1.00% | 0.98% | 0.96% | 0.92% | 0.90% | 0.86% | 0.90% | 0.85% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | 4.17% | 7.61% | 9.67% | 15.68% | 15.76% | 10.88% | 11.92% | +224 bps | |
| Loan Growth (YoY) | 3.43% | 8.19% | 7.85% | 6.56% | 13.53% | 12.18% | 8.45% | 8.43% | +187 bps | |
| Deposit Growth (YoY) | 1.96% | 3.88% | 8.56% | 10.98% | 18.50% | 17.02% | 11.18% | 13.14% | +217 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.48% | 0.57% | 0.51% | 0.28% | 0.50% | 0.43% | 0.39% | -12 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.02% | 0.03% | 0.08% | 0.07% | 0.04% | 0.05% | +2 bps | |
| Allowance / Loans | 0.73% | 0.75% | 0.75% | 0.73% | 0.66% | 0.73% | 0.84% | 0.90% | +18 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.3x | 1.4x | 2.3x | 1.5x | 1.9x | 2.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.83% | 9.48% | 9.46% | 9.53% | 9.20% | 9.38% | 9.69% | 9.19% | -33 bps | |
| Total Risk-Based Capital | 12.46% | 11.81% | 11.69% | 11.91% | 11.69% | 12.00% | 12.45% | 11.81% | -10 bps | |
| Equity / Assets | 9.65% | 8.87% | 8.84% | 8.89% | 8.72% | 9.08% | 9.28% | 8.50% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.20% | 94.23% | 92.90% | 90.30% | 89.29% | 90.33% | 90.61% | 86.54% | -376 bps | |
| Liquid Assets / Assets | 9.68% | 8.41% | 8.86% | 8.86% | 9.73% | 9.04% | 7.60% | 9.62% | +77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 249% | 239% | 233% | n/a | n/a | |