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 | |