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Wintrust Private Trust Company, National Association

Lake Forest, IL · Cert 35063

FDIC

Q2 2026

$139.1MAssets
$0KLoans
$0KDeposits
$136.9MEquity

Executive Summary

  • Earnings: ROA of 5.12%, up 92 bps year over year; NIM at 1.25%.
  • Capital: tier 1 leverage ratio of 99.44%, down 20 bps from a year ago.

Return on Assets (quarter, annualized)

5.12%+92 bps YoY

Net Interest Margin (quarter, annualized)

1.25%-3 bps YoY

Efficiency Ratio (quarter, annualized)

69.42%-414 bps YoY

Tier 1 Leverage Ratio

99.44%-20 bps YoY

NIM

1.09%Q2 ’241.26%Q2 ’251.23%Q2 ’26+15%-3%

Non-interest income vs. expense

13.22%Q2 ’2415.81%Q2 ’2515.66%Q2 ’26-26%-28%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.52%3.37%3.83%4.20%4.98%5.30%4.40%5.12%+92 bps
Return on Equity2.55%3.42%3.88%4.25%5.05%5.39%4.46%5.20%+94 bps
Net Interest Margin1.18%1.14%1.21%1.28%1.28%1.26%1.24%1.25%-3 bps
Efficiency Ratio78.37%76.26%75.68%73.56%68.61%68.12%72.58%69.42%-414 bps
Non-Interest Burden-2.23%-3.40%-3.86%-4.42%-5.43%-5.85%-4.55%-5.67%-125 bps
Growth
Asset Growth (YoY)4.09%3.88%4.05%4.21%4.59%5.37%5.36%5.75%+153 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio99.18%99.29%99.59%99.65%99.09%99.03%99.19%99.44%-20 bps
Total Risk-Based Capital481%477%491%485%469%468%465%460%-2,479 bps
Equity / Assets98.32%98.60%98.87%98.61%98.31%98.38%98.78%98.39%-22 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets11.77%14.75%14.17%15.24%20.44%22.72%23.85%26.38%+1,114 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a