Wintrust Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wintrust Bank, N.A. is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1994 (FDIC certificate 33935), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.57B, little changed from Q2 2025, the 6th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.25% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33935
- Headquarters
- Chicago, IL
- Established
- 1994
- Total assets, Q2 2026
- $9.57B
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 12.25%
- Domestic offices
- 37 FDIC institution directory, current count
- Routing number
- 071925444
- Latest call report
- Q2 2026, FFIEC 041 · Wintrust Bank, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 6th of 319 in Illinois
Wintrust Bank, N.A., based in Chicago, Illinois, reported $9.6 billion in assets at June 30, 2026. It holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it earns about $1.96 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Net income for the quarter rose 22% from a year earlier, to $47 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 0.71%.
As of June 30, 2026, Wintrust Bank, N.A. reported a CET1 capital ratio of 12.25%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 3.20%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Wintrust Bank, N.A. is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $9.57B, loans rose 1.0% and deposits rose 4.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 37.5% of total loans, followed by non-owner-occupied commercial real estate loans at 15.1%. Its 37 offices in the FDIC Summary of Deposits are in 7 cities in IL; its Chicago 28 offices book 78% of its branch deposits. On its Q2 2026 call report, Wintrust Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 231 S La Salle St, Chicago, IL 60604
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 14, 1994
- Former names
- Wintrust Bank (2014-2019)
- Domestic offices
- 37 FDIC institution directory, current count
- Employees (FTE)
- 651
- Domestic deposits
- $8.29B
- Allowance for credit losses
- $77.0M
- Net charge-offs (YTD)
- $9.5M
- Average total assets
- $9.57B
- Average total loans
- $7.75B
- Average interest-bearing deposits
- $5.95B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 14, 1994
- FDIC Cert
- 33935
- Fed RSSD
- 2239288
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.wintrustbank.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Wintrust Bank, N.A.'s total assets moved between a low of $9.28B (Q1 2026) and a high of $9.64B (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.57B total assets against $9.56B; $8.46B total liabilities against $8.50B.
$7.88B net loans and leases against $7.84B; $8.29B total deposits against $8.30B.
$565.0M securities against $662.8M; $640.5M cash and balances due against $567.3M.
$127.9M total interest income against $133.8M; $40.0M total interest expense against $44.9M.
$88.0M net interest income against $88.9M.
$37.2M total noninterest income against $33.3M; $57.4M total noninterest expense against $56.7M.
$5.4M provision for credit losses against $14.7M.
$46.9M net income against $38.3M.
1.96% return on assets against 1.61%; 3.89% net interest margin against 3.94%.
12.25% CET1 capital ratio against 11.30%; 11.41% tier 1 leverage ratio against 10.84%.
Inside the full Wintrust Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wintrust Bank, N.A. rankings
Its closest position to the top of a national ranking is 164 of 4,196, for total assets; its furthest is 1,634 of 2,134, for CET1 ratio.
Metric pages for Wintrust Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.61% (Q2 2025) to 2.19% (Q4 2024) and its net interest margin ran from 3.82% (Q4 2024) to 3.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.25% | 1.96% | 0.36% | 3.20% | 3.89% |
| Q1 2026 | 12.08% | 1.98% | 0.36% | 3.24% | 3.86% |
| Q4 2025 | 11.51% | 2.11% | 0.39% | 3.69% | 3.96% |
| Q3 2025 | 11.61% | 1.81% | 0.47% | 4.13% | 3.90% |
| Q2 2025 | 11.30% | 1.61% | 0.72% | 5.98% | 3.94% |
| Q1 2025 | 11.61% | 1.96% | 0.44% | 3.88% | 3.83% |
| Q4 2024 | 11.67% | 2.19% | 0.34% | 5.19% | 3.82% |
| Q3 2024 | 10.86% | 2.01% | 0.49% | 5.62% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 37 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wintrust Bank, N.A. (main office) | Chicago , IL | 60604 | $4.42B |
| Skokie Branch | Skokie , IL | 60077 | $528.5M |
| Wilmette Main Branch | Wilmette , IL | 60091 | $407.3M |
| Norridge Branch | Norridge , IL | 60706 | $348.3M |
| Sauganash Branch | Chicago , IL | 60646 | $267.9M |
| Chicago Il Branch | Chicago , IL | 60610 | $187.9M |
| 576 Lincoln Ave Branch | Winnetka , IL | 60093 | $180.2M |
| Glencoe Branch | Glencoe , IL | 60022 | $175.8M |
| Ravenswood Branch | Chicago , IL | 60625 | $159.2M |
| Delaware Place Branch | Chicago , IL | 60611 | $137.2M |
| Mayfair Branch | Chicago , IL | 60641 | $132.4M |
| Gladstone Park Branch | Chicago , IL | 60646 | $131.0M |
| North Center Branch | Chicago , IL | 60613 | $127.6M |
| Mont Clare Branch | Chicago , IL | 60634 | $126.7M |
| Gold Coast Branch | Chicago , IL | 60611 | $110.8M |
| 901 Grove Street Branch | Evanston , IL | 60201 | $97.3M |
| Logan Square Branch | Chicago , IL | 60647 | $85.2M |
| Roscoe Village Branch | Chicago , IL | 60618 | $80.2M |
| Rogers Park Branch | Chicago , IL | 60645 | $74.7M |
| Evanston Branch | Evanston , IL | 60201 | $70.0M |
| Streeterville Branch | Chicago , IL | 60611 | $60.1M |
| Pilsen Branch | Chicago , IL | 60608 | $55.1M |
| Wintrust Bank Branch | Chicago , IL | 60626 | $41.5M |
| River North Branch | Chicago , IL | 60654 | $39.1M |
| Uptown Branch | Chicago , IL | 60640 | $37.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 24, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 24, 2019 | Structure Change | Acquired Oak Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired Delaware Place Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2015 | Structure Change | Acquired North Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 2013 | Structure Change | Acquired Diamond Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action May 8, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in IL, rank 14 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 378 applications, 288 loans originated, $542.2M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $17.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wintrust Bank, N.A.
What are Wintrust Bank, N.A.'s total assets?
As of the Q2 2026 filing, Wintrust Bank, N.A. reported total assets of $9.57 billion in its FFIEC call report.
Where is Wintrust Bank, N.A. headquartered?
It is headquartered in Chicago, IL, United States.
When was Wintrust Bank, N.A. founded?
It was established in 1994, per the FDIC institution directory.
Is Wintrust Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wintrust Bank, N.A.?
Wintrust Bank, N.A.'s primary federal regulator is the OCC.
What is Wintrust Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wintrust Bank, N.A. operate?
It operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wintrust Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 3.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Wintrust Bank, N.A. previously called?
The charter now named Wintrust Bank, N.A. has also operated as Wintrust Bank (2014-2019), per FDIC structure-change records.
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