Northbrook, IL · Cert 57082 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 7 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.8% share · #19 of 147 inst. · $5.4B 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 | 1.28% | 1.28% | 1.51% | 1.43% | 1.40% | 1.50% | 1.32% | 1.42% | -1 bps | |
| Return on Equity | 14.98% | 15.45% | 18.89% | 17.53% | 16.85% | 17.75% | 16.31% | 17.31% | -23 bps | |
| Net Interest Margin | 2.68% | 2.59% | 2.81% | 2.79% | 2.75% | 2.78% | 2.90% | 2.82% | +4 bps | |
| Efficiency Ratio | 36.19% | 35.35% | 33.95% | 33.51% | 32.79% | 31.87% | 29.14% | 29.17% | -434 bps | |
| Non-Interest Burden | 0.67% | 0.63% | 0.71% | 0.68% | 0.65% | 0.63% | 0.56% | 0.56% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.23% | 27.69% | 7.49% | 14.36% | 9.33% | -3.02% | 25.87% | 11.49% | -287 bps | |
| Loan Growth (YoY) | 5.71% | 18.31% | 12.63% | 14.26% | 16.64% | 9.17% | 14.10% | 9.02% | -524 bps | |
| Deposit Growth (YoY) | 11.94% | 28.93% | 5.90% | 15.98% | 10.31% | -5.56% | 29.30% | 11.61% | -437 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.24% | 0.26% | 0.24% | 0.23% | 0.25% | 0.34% | 0.27% | +3 bps | |
| Net Charge-Offs / Loans | 0.53% | 0.41% | 0.01% | 0.04% | 0.04% | 0.05% | 0.06% | 0.11% | +7 bps | |
| Allowance / Loans | 0.65% | 0.63% | 0.62% | 0.62% | 0.69% | 0.57% | 0.63% | 0.61% | -2 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.6x | 2.3x | 2.6x | 3.0x | 2.3x | 1.8x | 2.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.21% | 9.56% | 9.52% | 9.60% | 9.66% | 9.36% | 9.38% | -14 bps | |
| Total Risk-Based Capital | 12.00% | 11.25% | 11.80% | 11.38% | 11.99% | 11.81% | 11.44% | 11.84% | +46 bps | |
| Equity / Assets | 8.85% | 7.30% | 8.75% | 8.43% | 8.93% | 8.79% | 7.53% | 8.35% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.01% | 74.66% | 85.28% | 85.20% | 86.72% | 86.31% | 75.25% | 83.23% | -198 bps | |
| Liquid Assets / Assets | 15.77% | 23.56% | 13.77% | 13.20% | 12.93% | 11.80% | 19.48% | 15.62% | +242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 217% | 214% | n/a | n/a | |