Crystal Lake, IL · Cert 34681 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 6 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #38 of 147 inst. · $1.9B 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 | 1.80% | 1.76% | 1.50% | 1.65% | 1.76% | 1.70% | 1.50% | 1.54% | -11 bps | |
| Return on Equity | 19.51% | 19.07% | 16.43% | 18.13% | 19.23% | 18.44% | 15.92% | 16.71% | -143 bps | |
| Net Interest Margin | 3.43% | 3.40% | 3.41% | 3.42% | 3.29% | 3.24% | 3.28% | 3.20% | -22 bps | |
| Efficiency Ratio | 34.68% | 35.12% | 34.41% | 33.69% | 32.58% | 32.66% | 34.78% | 33.97% | +27 bps | |
| Non-Interest Burden | 1.03% | 1.04% | 0.97% | 0.97% | 0.89% | 0.87% | 0.94% | 0.86% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 8.66% | 11.52% | 8.78% | 14.37% | 17.04% | 17.28% | 15.96% | +717 bps | |
| Loan Growth (YoY) | 5.96% | 11.81% | 11.53% | 12.46% | 12.57% | 14.09% | 12.76% | 13.07% | +61 bps | |
| Deposit Growth (YoY) | 2.93% | 10.01% | 11.99% | 8.11% | 15.18% | 18.44% | 19.94% | 15.44% | +733 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.51% | 0.32% | 0.24% | 0.09% | 0.60% | 0.40% | 0.34% | +10 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.04% | 0.02% | 0.03% | 0.06% | 0.30% | 0.13% | +11 bps | |
| Allowance / Loans | 0.69% | 0.73% | 0.83% | 0.80% | 0.77% | 0.80% | 0.82% | 0.82% | +2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 2.6x | 3.4x | 8.2x | 1.3x | 2.0x | 2.5x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 9.84% | 9.83% | 10.02% | 9.91% | 10.19% | 10.18% | 9.65% | -36 bps | |
| Total Risk-Based Capital | 11.80% | 11.79% | 11.66% | 11.64% | 12.07% | 12.31% | 12.54% | 11.63% | -1 bps | |
| Equity / Assets | 9.39% | 9.19% | 9.13% | 9.05% | 9.29% | 9.45% | 9.42% | 8.85% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.07% | 96.15% | 96.13% | 95.92% | 93.89% | 92.61% | 90.37% | 93.96% | -196 bps | |
| Liquid Assets / Assets | 9.14% | 10.26% | 7.17% | 8.17% | 7.97% | 7.13% | 8.56% | 5.41% | -277 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 240% | 227% | n/a | n/a | |