Holland, MI · Cert 34618 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 28 branches (213 in holding)
Q2 2026
Market Position · Grand Rapids-Wyoming-Kentwood, MI · 2026 SOD (annual) · 8.4% share · #5 of 28 inst. · $2.9B of $34.4B
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 | 0.07% | 0.56% | 1.20% | 1.02% | 1.26% | 1.39% | 1.98% | 1.77% | +75 bps | |
| Return on Equity | 0.59% | 4.35% | 7.63% | 6.57% | 8.10% | 8.96% | 12.63% | 11.42% | +485 bps | |
| Net Interest Margin | 1.13% | 1.98% | 4.03% | 3.91% | 3.91% | 4.02% | 4.00% | 3.98% | +7 bps | |
| Efficiency Ratio | 26.71% | 29.68% | 40.04% | 40.64% | 35.77% | 34.72% | 31.78% | 32.36% | -828 bps | |
| Non-Interest Burden | 0.32% | 0.65% | 1.91% | 1.89% | 1.67% | 1.64% | 1.45% | 1.47% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.81% | 19.46% | 26.76% | 31.27% | 14.02% | 11.60% | 4.97% | 5.87% | -2,540 bps | |
| Loan Growth (YoY) | 26.73% | 24.23% | 24.94% | 36.36% | 55.74% | 62.94% | 59.04% | 54.26% | +1,790 bps | |
| Deposit Growth (YoY) | 3.61% | 12.91% | 20.22% | 25.81% | 15.80% | 11.77% | 4.49% | 4.86% | -2,095 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.07% | 0.14% | 0.16% | 0.13% | 0.14% | 0.18% | 0.08% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.03% | 0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 0.96% | 1.03% | 1.12% | 1.26% | 0.97% | 0.87% | 0.76% | 0.74% | -52 bps | |
| Allowance Coverage of NPLs | 96.4x | 15.5x | 8.0x | 7.9x | 7.3x | 6.2x | 4.1x | 9.6x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 10.12% | 10.28% | 10.22% | 10.22% | 10.84% | 10.88% | 10.74% | +52 bps | |
| Total Risk-Based Capital | 15.33% | 16.27% | 17.10% | 16.60% | 12.87% | 12.69% | 12.83% | 12.14% | -446 bps | |
| Equity / Assets | 16.18% | 15.65% | 15.81% | 15.26% | 15.54% | 15.37% | 16.04% | 15.10% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.36% | 60.74% | 60.85% | 62.43% | 86.55% | 88.54% | 92.61% | 91.83% | +2,941 bps | |
| Liquid Assets / Assets | 31.44% | 35.33% | 32.94% | 30.50% | 7.58% | 4.70% | 1.44% | 1.31% | -2,919 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.89% | 196.26% | 193.64% | n/a | n/a | |