Wintrust Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.46 percentage points lower than in Q1 2026, at 271.40%. On return on assets, Wintrust Bank, N.A. ranks 31st highest among the 323 banks headquartered in Illinois, at 1.96% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Wintrust Bank, N.A. reported 1.96% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 11.41% |
| Equity capital to assets | 11.57% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 3.24% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 271.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 17.02% |
| Net interest margin | 3.89% |
| Efficiency ratio | 45.39% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.02% |
| Core deposits to total deposits | 87.73% |
| Brokered deposits to total deposits | 2.19% |
| Deposits to assets | 86.60% |
| Securities to assets | 5.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.78% | 10.78% | 11.86% | 10.94% | 1.78% |
| Q4 2023 | 10.76% | 10.76% | 11.89% | 10.79% | 1.41% |
| Q1 2024 | 11.39% | 11.39% | 12.57% | 11.48% | 2.53% |
| Q2 2024 | 11.13% | 11.13% | 12.39% | 10.85% | 1.08% |
| Q3 2024 | 10.86% | 10.86% | 11.95% | 10.61% | 2.01% |
| Q4 2024 | 11.67% | 11.67% | 12.71% | 11.14% | 2.19% |
| Q1 2025 | 11.61% | 11.61% | 12.68% | 11.05% | 1.96% |
| Q2 2025 | 11.30% | 11.30% | 12.45% | 10.84% | 1.61% |
| Q3 2025 | 11.61% | 11.61% | 12.74% | 10.76% | 1.81% |
| Q4 2025 | 11.51% | 11.51% | 12.53% | 10.52% | 2.11% |
| Q1 2026 | 12.08% | 12.08% | 13.08% | 11.29% | 1.98% |
| Q2 2026 | 12.25% | 12.25% | 13.27% | 11.41% | 1.96% |
Wintrust Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wintrust Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)