Wintrust Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wintrust Bank, N.A. of Chicago, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.96% | 1.46% | +0.50% | 85th top |
| ROAE | 17.02% | 12.70% | +4.32% | 81st top |
| Net Interest Margin | 3.89% | 3.85% | +0.04% | 62nd above |
| Efficiency Ratio | 45.39% | 57.45% | -12.06% | 86th top |
| PPNR / Avg Assets | 2.83% | 1.87% | +0.96% | 93rd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.72% | -0.08% | 56th above |
| Cost of Funds | 1.94% | 2.02% | -0.08% | 55th above |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 1.00% | -0.64% | 68th above |
| NPA / Total Assets | 0.38% | 0.76% | -0.38% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.43% | -0.30% | 24th bottom |
| ACL / Total Loans | 0.97% | 1.31% | -0.34% | 26th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 271.40% | 544.39% | -272.99% | 67th above |
| Texas Ratio | 3.24% | 7.40% | -4.16% | 63rd above |
| Provision / NCO | 110.23% | 620.84% | -510.61% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.25% | 17.36% | -5.11% | 29th below |
| Tier 1 Ratio | 12.25% | 17.39% | -5.14% | 29th below |
| Total Capital Ratio | 13.27% | 18.44% | -5.17% | 28th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.41% | 11.44% | -0.03% | 68th above |
| Equity / Assets | 11.57% | 11.33% | +0.24% | 70th above |
| TCE / Tangible Assets | 11.02% | 10.50% | +0.52% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.02% | 86.92% | +9.10% | 26th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.73% | 85.55% | +2.18% | 45th below |
| Uninsured Deposit Ratio | 45.94% | 33.07% | +12.87% | 15th bottom |
| Wholesale Funding Ratio | 0.00% | 5.73% | -5.73% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.04% | 9.72% | -9.68% | 16th bottom |
| Loan Growth (Y/Y) | 0.38% | 8.08% | -7.70% | 18th bottom |
| Deposit Growth (Y/Y) | -0.22% | 7.90% | -8.12% | 17th bottom |
See Wintrust Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wintrust Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wintrust Bank, N.A. profile, how to read a UBPR, or how this data updates.