Barrington, IL · Cert 34395 · Wintrust Financial Corp.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
24
Profitability
26
Liquidity
22
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Barrington, IL · Cert 34395 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 9 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #22 of 147 inst. · $4.1B 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 | 0.89% | 0.87% | 0.76% | 0.99% | 1.13% | 1.04% | 1.18% | 1.27% | +28 bps | |
| Return on Equity | 8.11% | 7.94% | 6.89% | 8.98% | 10.32% | 9.46% | 11.07% | 12.04% | +305 bps | |
| Net Interest Margin | 2.82% | 2.80% | 2.82% | 2.87% | 2.82% | 2.88% | 3.02% | 2.94% | +8 bps | |
| Efficiency Ratio | 77.28% | 77.48% | 75.41% | 72.61% | 70.34% | 71.32% | 68.93% | 68.38% | -423 bps | |
| Non-Interest Burden | 1.49% | 1.50% | 1.47% | 1.30% | 1.14% | 1.29% | 1.16% | 1.11% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.52% | 8.53% | 5.86% | 10.49% | 9.16% | 9.67% | 8.49% | 10.44% | -5 bps | |
| Loan Growth (YoY) | 15.36% | 12.68% | 4.40% | 12.78% | 10.90% | 10.22% | 10.56% | 5.60% | -718 bps | |
| Deposit Growth (YoY) | 13.62% | 5.19% | 4.85% | 13.13% | 11.21% | 12.43% | 10.72% | 15.01% | +188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.94% | 6.28% | 5.23% | 4.50% | 4.75% | 5.36% | 5.13% | 4.75% | +25 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.07% | 0.06% | 0.05% | 0.05% | 0.10% | 0.08% | +2 bps | |
| Allowance / Loans | 0.48% | 0.47% | 0.53% | 0.53% | 0.53% | 0.60% | 0.63% | 0.63% | +10 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.66% | 10.85% | 10.90% | 10.85% | 10.42% | 10.46% | 10.08% | -82 bps | |
| Total Risk-Based Capital | 11.81% | 11.43% | 11.66% | 11.65% | 11.84% | 11.54% | 11.49% | 11.53% | -11 bps | |
| Equity / Assets | 10.94% | 11.10% | 10.94% | 10.94% | 11.01% | 10.90% | 10.49% | 10.22% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.99% | 105.37% | 101.00% | 102.55% | 100.70% | 103.29% | 100.86% | 94.16% | -838 bps | |
| Liquid Assets / Assets | 5.66% | 3.53% | 5.91% | 4.06% | 3.59% | 2.66% | 3.97% | 6.52% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 126.20% | 136.74% | 140.96% | n/a | n/a | |
Barrington, IL · Cert 34395 · 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 · 9 branches (213 in holding)
Q2 2026
Return on Assets
1.21%
Rank 21 of 31
Net Interest Margin
2.94%
Rank 27 of 31
Efficiency Ratio
68.38%
Rank 26 of 31
Equity / Assets
10.22%
Rank 15 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 1.15% | 1.39% | 1.64% | Beats 32% | 21 / 31 | ||
| Return on Equity | 11.89% | 11.05% | 13.35% | 16.66% | Beats 32% | 21 / 31 | ||
| Net Interest Margin | 2.94% | 3.00% | 3.28% | 3.75% | Beats 13% | 27 / 31 | ||
| Efficiency Ratio | 68.38% | 37.25% | 50.71% | 61.60% | Beats 19% | 26 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.75% | 0.18% | 0.41% | 1.00% | Beats 3% | 31 / 31 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.04% | 0.11% | Beats 45% | 18 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.91% | 10.88% | 11.50% | 13.72% | Beats 26% | 23 / 31 | ||
| Total Risk-Based Capital Ratio | 11.53% | 11.53% | 12.02% | 14.77% | Beats 23% | 24 / 31 | ||
| Equity / Assets | 10.22% | 8.90% | 10.15% | 11.24% | Beats 52% | 15 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.16% | 80.56% | 87.67% | 94.53% | 71st pctl | 9 / 31 | ||
| Loans / Assets | 75.47% | 67.81% | 73.77% | 76.85% | 65th pctl | 11 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||