Wintrust Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.27% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.27% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.25% +5.75 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.09B | 1,085,263 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.86B | 8,861,224 | RCOAA223 |
| Recomputed ratio | 12.25% | numerator / denominator | |
| Filed ratio | 12.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.75 pp | $509.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.25% +4.25 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.09B | 1,085,263 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.86B | 8,861,224 | RCOAA223 |
| Recomputed ratio | 12.25% | numerator / denominator | |
| Filed ratio | 12.25% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.25 pp | $376.4M | capital that could be lost first |
Total risk-based capital ratio 13.27% +3.27 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.18B | 1,176,114 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.86B | 8,861,224 | RCOAA223 |
| Recomputed ratio | 13.27% | numerator / denominator | |
| Filed ratio | 13.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.27 pp | $290.0M | capital that could be lost first |
Tier 1 leverage ratio 11.41% +6.41 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.09B | 1,085,263 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.52B | 9,515,474 | RCOAA224 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.41 pp | $609.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 408,372 | 406,365 | 404,482 | 402,463 | 400,597 | 398,807 | RCOAP742 |
| Retained earnings | 733,047 | 711,160 | 664,432 | 673,302 | 680,084 | 701,805 | RCOAKW00 |
| Accumulated other comprehensive income | (34,828) | (20,156) | (9,495) | (6,966) | (12,609) | (23,306) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,106,591 | 1,097,369 | 1,059,419 | 1,068,799 | 1,068,072 | 1,077,306 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (21,328) | (36,104) | (46,872) | (49,509) | (43,981) | (33,425) | P859 - P840 |
| Common equity Tier 1 capital | 1,085,263 | 1,061,265 | 1,012,547 | 1,019,290 | 1,024,091 | 1,043,881 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,085,263 | 1,061,265 | 1,012,547 | 1,019,290 | 1,024,091 | 1,043,881 | RCOA8274 |
| Tier 2 capital | 90,851 | 87,978 | 89,486 | 99,199 | 104,653 | 95,821 | RCOA5311 |
| Allowance includable in Tier 2 capital | 90,851 | 87,978 | 89,486 | 99,199 | 104,653 | 95,821 | RCOA5310 |
| Total capital | 1,176,114 | 1,149,243 | 1,102,033 | 1,118,489 | 1,128,744 | 1,139,702 | RCOA3792 |
| Total risk-weighted assets | 8,861,224 | 8,788,627 | 8,794,467 | 8,780,004 | 9,064,031 | 8,987,832 | RCOAA223 |
| Average total assets for the leverage ratio | 9,515,474 | 9,401,901 | 9,623,859 | 9,470,649 | 9,449,433 | 9,446,561 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $593.5M | $25.8M | 4.35% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $611.6M | $134.6M | 22.02% | 1.52% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $47.0M | $9.4M | 20.00% | 0.11% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.10B | $580.5M | 52.55% | 6.55% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $14.4M | $21.6M | 150.00% | 0.24% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $17.7M | $26.6M | 150.00% | 0.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $6.82B | $6.75B | 98.94% | 76.14% | RC-R Part II, item 4.d, 5.d |
| All other assets | $326.9M | $293.6M | 89.81% | 3.31% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $992.3M | $970.1M | 97.76% | 10.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $102.8M | $24.3M | 23.66% | 0.27% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $27.5M | NA | 0.31% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $8.83B | ties to item 31 ($8.83B) |
|---|---|---|
| Risk-weighted assets before deductions | $8.86B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $8.86B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.08% | 12.08% | 13.08% | 11.29% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.51% | 11.51% | 12.53% | 10.52% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.61% | 11.61% | 12.74% | 10.76% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.30% | 11.30% | 12.45% | 10.84% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.61% | 11.61% | 12.68% | 11.05% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.67% | 11.67% | 12.71% | 11.14% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.86% | 10.86% | 11.95% | 10.61% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.13% | 11.13% | 12.39% | 10.85% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.39% | 11.39% | 12.57% | 11.48% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.76% | 10.76% | 11.89% | 10.79% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.78% | 10.78% | 11.86% | 10.94% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Wintrust Bank, N.A. (this bank) | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% | |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| Capitol Federal Savings Bank | $9.68B | CBLR | NA | NA | NA | 9.57% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Principal Bank | $9.84B | Risk-based | 14.91% | 14.91% | 15.07% | 7.13% |
| 1st Source Bank | $9.26B | Risk-based | 14.84% | 15.36% | 16.62% | 13.72% |
| Lake Forest Bank & Trust Company, N.A. | $9.25B | Risk-based | 11.16% | 11.16% | 12.02% | 9.93% |
| Union Bank and Trust Company | $9.24B | Risk-based | 12.70% | 12.71% | 13.96% | 10.65% |
| Peer 25th percentile | 12.70% | 12.71% | 13.96% | 9.63% | ||
| Peer median | 14.78% | 14.78% | 15.07% | 10.18% | ||
| Peer 75th percentile | 14.91% | 14.95% | 16.20% | 11.28% | ||
| This bank's percentile | 11 | 11 | 11 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2239288/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.