Chicago, IL · Cert 57701 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #32 of 147 inst. · $2.3B of $630.7B
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 | 1.26% | 1.09% | 1.55% | 1.35% | 1.08% | 1.90% | 1.89% | 1.35% | 0 bps | |
| Return on Equity | 12.64% | 10.61% | 15.06% | 13.16% | 10.49% | 18.26% | 18.33% | 13.46% | +29 bps | |
| Net Interest Margin | 3.52% | 3.51% | 3.62% | 3.58% | 3.48% | 3.61% | 3.55% | 3.54% | -4 bps | |
| Efficiency Ratio | 61.15% | 63.87% | 57.75% | 60.69% | 61.69% | 59.86% | 54.42% | 61.71% | +101 bps | |
| Non-Interest Burden | 1.52% | 1.64% | 1.38% | 1.48% | 1.44% | 1.39% | 0.89% | 1.45% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.84% | 9.80% | 5.32% | 3.84% | 2.00% | 1.51% | 7.48% | 4.58% | +73 bps | |
| Loan Growth (YoY) | 5.40% | 5.46% | 6.70% | 5.44% | 3.94% | 0.98% | 2.64% | 0.42% | -502 bps | |
| Deposit Growth (YoY) | 9.69% | 7.56% | 5.59% | 3.61% | 1.82% | 1.49% | 7.93% | 4.04% | +44 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.52% | 0.62% | 0.67% | 0.46% | 0.41% | 0.35% | 0.40% | -27 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.16% | 0.12% | 0.09% | 0.66% | 0.44% | 0.51% | 0.07% | -2 bps | |
| Allowance / Loans | 0.86% | 0.89% | 0.88% | 0.91% | 0.95% | 0.73% | 0.62% | 0.66% | -24 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 1.4x | 1.3x | 2.1x | 1.8x | 1.8x | 1.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.08% | 10.01% | 10.09% | 10.00% | 10.13% | 10.44% | 9.91% | -18 bps | |
| Total Risk-Based Capital | 12.36% | 12.46% | 12.06% | 12.13% | 12.49% | 12.60% | 12.45% | 12.10% | -2 bps | |
| Equity / Assets | 10.25% | 10.21% | 10.36% | 10.15% | 10.39% | 10.40% | 10.24% | 9.86% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.73% | 92.79% | 96.16% | 94.34% | 93.64% | 92.33% | 91.45% | 91.05% | -329 bps | |
| Liquid Assets / Assets | 12.46% | 13.63% | 6.20% | 6.74% | 5.49% | 8.51% | 7.61% | 7.46% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 228% | 209% | n/a | n/a | |