Wintrust Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.55 percentage points lower than in Q1 2026, at 218.96%. Wintrust Bank, N.A. ranks 33rd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 96.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wintrust Bank, N.A. sits 7.82 points higher, at 96.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.96B |
| Net loans and leases | $7.88B |
| Loans held for sale | $0 |
| Loans to total assets | 83.16% |
| Loan-to-deposit ratio | 96.02% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.34% |
| Multifamily (5+ residential) | 7.61% |
| Commercial and industrial | 37.49% |
| Consumer | 7.38% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 218.96% |
| Construction concentration (Tier 1 capital + allowance) | 58.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.02% |
| Interest income on loans | $116.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.85B | $8.10B | 21.27% | 43.53% | 8.96% |
| Q4 2023 | $8.00B | $8.23B | 21.17% | 43.12% | 8.43% |
| Q1 2024 | $8.02B | $8.21B | 21.22% | 41.90% | 7.95% |
| Q2 2024 | $8.07B | $8.30B | 21.10% | 41.69% | 7.77% |
| Q3 2024 | $8.11B | $8.33B | 21.45% | 41.28% | 7.46% |
| Q4 2024 | $7.88B | $8.16B | 21.02% | 40.62% | 7.44% |
| Q1 2025 | $7.76B | $8.36B | 20.92% | 39.94% | 8.17% |
| Q2 2025 | $7.93B | $8.30B | 19.83% | 40.36% | 7.83% |
| Q3 2025 | $7.78B | $8.16B | 20.18% | 35.23% | 7.53% |
| Q4 2025 | $7.86B | $8.33B | 20.40% | 34.46% | 7.77% |
| Q1 2026 | $7.88B | $7.93B | 20.64% | 35.05% | 7.80% |
| Q2 2026 | $7.96B | $8.29B | 19.34% | 37.49% | 7.38% |
Wintrust Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wintrust Bank, N.A., freeSource: Call Report Schedule RC-C, 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)