New Lenox, IL · Cert 58314 · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 16 branches (213 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.5% share · #25 of 147 inst. · $3.1B 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 | 0.99% | 0.99% | 1.39% | 1.32% | 1.19% | 1.16% | 1.28% | 1.19% | -12 bps | |
| Return on Equity | 12.10% | 12.05% | 16.52% | 15.54% | 14.06% | 13.57% | 14.74% | 13.91% | -163 bps | |
| Net Interest Margin | 3.01% | 2.99% | 3.21% | 3.03% | 2.95% | 2.98% | 3.15% | 3.00% | -4 bps | |
| Efficiency Ratio | 52.85% | 52.71% | 47.29% | 48.09% | 48.06% | 48.28% | 47.71% | 47.72% | -37 bps | |
| Non-Interest Burden | 1.46% | 1.45% | 1.33% | 1.30% | 1.27% | 1.30% | 1.37% | 1.30% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.90% | 9.44% | 8.44% | 10.26% | 12.93% | 13.70% | 9.67% | 12.69% | +243 bps | |
| Loan Growth (YoY) | 20.76% | 16.03% | 13.00% | 14.90% | 13.59% | 10.33% | 7.86% | 9.22% | -568 bps | |
| Deposit Growth (YoY) | 17.05% | 11.51% | 10.41% | 9.98% | 13.16% | 11.57% | 7.82% | 12.42% | +245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.41% | 0.48% | 0.43% | 0.42% | 0.52% | 0.32% | 0.28% | -14 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.19% | 0.08% | 0.08% | 0.08% | 0.12% | 0.36% | 0.24% | +17 bps | |
| Allowance / Loans | 0.66% | 0.67% | 0.62% | 0.58% | 0.66% | 0.67% | 0.59% | 0.62% | +4 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.6x | 1.3x | 1.4x | 1.6x | 1.3x | 1.8x | 2.2x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.91% | 9.20% | 8.92% | 8.79% | 9.06% | 9.06% | 8.82% | -11 bps | |
| Total Risk-Based Capital | 11.26% | 11.25% | 11.33% | 11.33% | 11.47% | 11.76% | 11.56% | 11.46% | +13 bps | |
| Equity / Assets | 8.49% | 8.40% | 8.48% | 8.51% | 8.54% | 8.82% | 8.61% | 8.34% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.28% | 84.15% | 82.66% | 82.64% | 81.59% | 83.22% | 82.70% | 80.28% | -236 bps | |
| Liquid Assets / Assets | 12.33% | 11.18% | 12.70% | 11.65% | 11.37% | 9.92% | 9.69% | 11.45% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 175.27% | 171.38% | 179.70% | n/a | n/a | |