Wintrust Bank
Wintrust Bank reported total assets of $9.6 bn at Q2 2026, up 0.0% on a year earlier, the 166th largest of 497 banks in our US coverage. The CET1 capital ratio at Wintrust Bank was 12.25%, and the uninsured share of Wintrust Bank was 45.94%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Wintrust Bank climbed from 324th to 128th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Wintrust Bank has taken over 2 institutions; the latest was Oak Bank on (FDIC Call Reports).
What sets Wintrust Bank apart
How large is Wintrust Bank?
The balance sheet of Wintrust Bank at : assets $9.6 bn, deposits $8.3 bn, net loans $7.9 bn (loans equal to 95.10% of deposits). Securities make up 5.9% of total assets at Wintrust Bank. Since , when Wintrust Bank held $3.9 bn, its assets grew 146.6%. In the year to , deposits at Wintrust Bank fell 0.2% while its total assets rose 0.0%. At , Wintrust Bank employed 651 full-time equivalent staff across 37 offices, about $14.7 mn of assets per employee and $223.9 mn of deposits per office.
How much funding at Wintrust Bank is uninsured?
At Wintrust Bank, uninsured deposits (above the FDIC limit) made up 45.94% of domestic deposits at (+5.31 pp on a year earlier); Wintrust Bank ranks 125th of 500 on this measure. In dollars, Wintrust Bank estimated $3.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.3 bn | -0.2% | 161st of 499 |
| Net loans and leases | $7.9 bn | +0.5% | 145th of 500 |
| Loan-to-deposit ratio | 95.10% | +0.72 pp | 109th of 500 |
| Tier 1 leverage ratio | 11.41% | +0.57 pp | 140th of 500 |
| Total risk-based capital ratio | 13.27% | +0.82 pp | 328th of 448 |
| Net interest margin | 3.93% | +0.01 pp | 164th of 500 |
| Return on assets (ROA) | 1.98% | +0.20 pp | 54th of 500 |
| Efficiency ratio | 45.35% | -0.90 pp | 85th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $28.0 mn | Narrowed by $3.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $46.6 mn | Narrowed by $5.6 mn | |
| Noncurrent loans to total loans | 0.36% | -0.36 pp | 128th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.24% | -0.04 pp | 369th of 500 (1 = lowest) |
US rank of Wintrust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Wintrust Bank: assets, deposits and loans
- Total assets $9.6bn
- Deposits $8.3bn
- Net loans $7.9bn
Capital and securities
The CET1 ratio of Wintrust Bank stood at 12.25% in , +0.95 pp year on year. Low and high at Wintrust Bank since : 9.31% () to 12.25% (). Equity capital of Wintrust Bank at : $1.1 bn, or 11.6% of total assets. Wintrust Bank also reported a total capital ratio of 13.27% for , and a tier 1 leverage ratio of 11.41%.
On held-to-maturity securities, Wintrust Bank carried an unrealized loss of $28.0 mn at , equal to 2.5% of equity capital. The loss narrowed by $3.5 mn over the year. Its deepest point: $44.9 mn in . The available-for-sale portfolio of Wintrust Bank showed an unrealized loss of $46.6 mn at ; the loss narrowed by $5.6 mn over the year.
Wintrust Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Wintrust Bank: unrealized securities gains and losses
- Available for sale -$47mn
- Held to maturity -$28mn
Profitability and loan quality
For the year to , Wintrust Bank earned a return on equity of 17.21%; return on assets: 1.98%. Net interest margin at Wintrust Bank: 3.93%, +0.01 pp in a year. Wintrust Bank net income: $93.6 mn, up 10.4% year on year. The efficiency ratio of Wintrust Bank was 45.35%: about 45 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.36% of total loans at Wintrust Bank; net charge-offs: 0.24% of average loans. Gross loans and leases at Wintrust Bank: $8.0 bn, up 0.4% in a year.
Wintrust Bank: profitability
- Return on equity 17%
- Net interest margin 3.9%
- Return on assets 2.0%
Peer group of Wintrust Bank
The peer group of Wintrust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Wintrust Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Wintrust Bank shows CET1 ratio 12.25% against a peer median of 14.78%, return on equity 17.21% against a peer median of 10.20% and uninsured deposit share 45.94% against a peer median of 25.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Capitol Federal Savings Bank | Federal savings bank | KS | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | State member bank | MD | $9.6 bn | 14.95% | 4.50% | 27.69% | |
| RBC Bank, (Georgia) | National bank | GA | $9.6 bn | 48.11% | 23.77% | 5.51% | |
| Wintrust Bank | National bank | IL | $9.6 bn | 12.25% | 17.21% | 45.94% | |
| Peoples Bank | State member bank | OH | $9.5 bn | 12.30% | 10.48% | 26.43% | |
| Amalgamated Bank | State nonmember bank | NY | $9.4 bn | 14.78% | 14.63% | 57.05% | |
| Liberty Bank | State-chartered stock savings bank | CT | $9.4 bn | 13.66% | 9.92% | 25.51% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wintrust Bank, to : assets -0.1%, deposits -0.6%, equity +4.5%. Staff 619 to 651; offices 35 to 37.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.6 bn | $9.4 bn | $9.6 bn | $9.6 bn | $9.4 bn | $9.6 bn | $9.3 bn | $9.6 bn |
| Total deposits | $8.3 bn | $8.2 bn | $8.4 bn | $8.3 bn | $8.2 bn | $8.3 bn | $7.9 bn | $8.3 bn |
| Bank equity capital | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn |
| CET1 ratio | 10.86% | 11.67% | 11.61% | 11.30% | 11.61% | 11.51% | 12.08% | 12.25% |
| Return on equity (ROE) | 16.94% | 17.65% | 17.29% | 15.80% | 15.92% | 16.75% | 17.33% | 17.21% |
| Uninsured share of domestic deposits | 41.13% | 41.91% | 41.81% | 40.62% | 44.22% | 46.25% | 45.70% | 45.94% |
| Full-time equivalent employees | 619 | 608 | 609 | 637 | 626 | 630 | 623 | 651 |
| Number of offices | 35 | 36 | 37 | 37 | 37 | 37 | 37 | 37 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Wintrust Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Delaware Place Bank (FDIC certificate 22370).
- . Absorbed Oak Bank (FDIC certificate 20226).
Questions and identifiers
What were the total assets of Wintrust Bank?
Wintrust Bank reported $9.6 bn at in its Call Report. That makes Wintrust Bank the 166th largest of 497 banks in our US coverage.
Is Wintrust Bank the same as its holding company?
No. This page covers Wintrust Bank, FDIC certificate 33935; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wintrust Bank profitable?
Wintrust Bank reported net income of $93.6 mn for the year to ; annualized return on equity: 17.21%. So yes: Wintrust Bank made a profit over these months.
When is data for Wintrust Bank next updated?
Figures from Wintrust Bank for are due after .
Where can I check the figures for Wintrust Bank?
In the FDIC BankFind Suite record for certificate 33935, and in the Call Reports of Wintrust Bank (RSSD ID 2239288) at the FFIEC Central Data Repository.