Wintrust Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 72.8% in Q2 2026, from -$20.2M to -$34.8M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Wintrust Bank, N.A. is 150th of 198 on CET1 ratio, 12.25% as of Q2 2026, below the middle of the field. Wintrust Bank, N.A. reported 12.25% on CET1 ratio for Q2 2026, 1.23 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 11.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.09B |
| Tier 1 capital | $1.09B |
| Total risk-based capital | $1.18B |
| Total equity capital | $1.11B |
| Risk-weighted assets | $8.86B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.57% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 11.56% |
| Internal capital growth rate | 7.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $405.5M |
| Retained earnings | $733.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.78% | 10.78% | 11.86% | 10.94% | $9.29B |
| Q4 2023 | 10.76% | 10.76% | 11.89% | 10.79% | $9.38B |
| Q1 2024 | 11.39% | 11.39% | 12.57% | 11.48% | $9.36B |
| Q2 2024 | 11.13% | 11.13% | 12.39% | 10.85% | $9.29B |
| Q3 2024 | 10.86% | 10.86% | 11.95% | 10.61% | $9.34B |
| Q4 2024 | 11.67% | 11.67% | 12.71% | 11.14% | $9.16B |
| Q1 2025 | 11.61% | 11.61% | 12.68% | 11.05% | $8.99B |
| Q2 2025 | 11.30% | 11.30% | 12.45% | 10.84% | $9.06B |
| Q3 2025 | 11.61% | 11.61% | 12.74% | 10.76% | $8.78B |
| Q4 2025 | 11.51% | 11.51% | 12.53% | 10.52% | $8.79B |
| Q1 2026 | 12.08% | 12.08% | 13.08% | 11.29% | $8.79B |
| Q2 2026 | 12.25% | 12.25% | 13.27% | 11.41% | $8.86B |
Wintrust Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wintrust Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wintrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33935) · FFIEC NIC profile (RSSD 2239288)