Wintrust Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Within Illinois, Wintrust Bank, N.A. is 33rd of 323 on loan-to-deposit ratio, 96.02% as of Q2 2026, above the middle of the field. Wintrust Bank, N.A. reported 96.02% on loan-to-deposit ratio for Q2 2026, 7.82 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $640.5M |
| Cash and noninterest-bearing balances to assets | 6.20% |
| Cash and securities | $1.21B |
| Fed funds sold and reverse repos | $47.0M |
| Fed funds sold and reverse repos to assets | 0.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $170K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $39.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.02% |
| Net loans and leases to deposits | 95.10% |
| Loans and leases to core deposits | 106.82% |
| Core deposits to total deposits | 87.73% |
| Brokered deposits to total deposits | 2.19% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 96.88% | 84.90% | $14.2M | $55.8M |
| Q4 2023 | 97.20% | 83.52% | $13.4M | $55.8M |
| Q1 2024 | 97.76% | 83.08% | $10.9M | $55.8M |
| Q2 2024 | 97.22% | 84.11% | $0 | $5.3M |
| Q3 2024 | 97.28% | 86.88% | $0 | $264K |
| Q4 2024 | 96.55% | 89.53% | $0 | $253K |
| Q1 2025 | 92.86% | 90.92% | $0 | $242K |
| Q2 2025 | 95.45% | 89.13% | $0 | $230K |
| Q3 2025 | 95.43% | 90.74% | $0 | $221K |
| Q4 2025 | 94.32% | 91.14% | $0 | $212K |
| Q1 2026 | 99.33% | 89.40% | $80.0M | $179K |
| Q2 2026 | 96.02% | 87.73% | $0 | $170K |
Wintrust Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wintrust Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)