Hartland, WI · Cert 34717 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 25 branches (213 in holding)
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 3.5% share · #5 of 43 inst. · $2.8B of $79.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.10% | 1.20% | 1.24% | 1.42% | 1.21% | 1.39% | 1.45% | +21 bps | |
| Return on Equity | 10.54% | 11.51% | 12.52% | 12.74% | 14.49% | 11.98% | 13.42% | 14.08% | +135 bps | |
| Net Interest Margin | 2.75% | 2.88% | 2.93% | 2.92% | 2.98% | 2.91% | 2.88% | 2.91% | -2 bps | |
| Efficiency Ratio | 49.03% | 45.56% | 45.12% | 44.64% | 41.83% | 42.71% | 43.19% | 41.77% | -288 bps | |
| Non-Interest Burden | 1.11% | 1.11% | 1.09% | 1.09% | 1.02% | 1.01% | 1.03% | 0.98% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.74% | 10.86% | 4.57% | 7.48% | 10.42% | 8.10% | 6.29% | 7.21% | -27 bps | |
| Loan Growth (YoY) | 12.99% | 14.63% | 12.37% | 17.07% | 11.60% | 9.12% | 7.75% | 6.24% | -1,083 bps | |
| Deposit Growth (YoY) | 11.28% | 11.74% | 4.81% | 7.93% | 11.43% | 7.45% | 6.10% | 4.34% | -358 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.31% | 0.18% | 0.17% | 0.15% | 0.18% | 0.22% | +4 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.01% | 0.03% | 0.08% | 0.14% | 0.08% | 0.11% | +7 bps | |
| Allowance / Loans | 0.53% | 0.59% | 0.64% | 0.66% | 0.62% | 0.61% | 0.59% | 0.54% | -12 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.3x | 2.1x | 3.7x | 3.7x | 4.0x | 3.4x | 2.5x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.73% | 8.90% | 8.97% | 9.22% | 9.24% | 9.53% | 9.48% | 9.75% | +53 bps | |
| Total Risk-Based Capital | 11.21% | 11.40% | 11.50% | 11.51% | 11.72% | 12.07% | 12.01% | 11.78% | +28 bps | |
| Equity / Assets | 9.62% | 9.47% | 9.75% | 9.75% | 9.85% | 10.32% | 10.40% | 10.26% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.96% | 87.99% | 89.72% | 90.53% | 88.09% | 89.36% | 91.11% | 92.18% | +165 bps | |
| Liquid Assets / Assets | 11.08% | 12.06% | 10.16% | 9.65% | 11.42% | 10.25% | 9.11% | 8.51% | -114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 207% | 202% | 206% | n/a | n/a | |