Wintrust Private Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wintrust Private Trust Company, N.A. is an FDIC-insured bank headquartered in Lake Forest, IL. At Q2 2026 it reported total assets of $139.1M, up 5.7% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Lake Forest, IL
- Established
- Not reported
- Total assets, Q2 2026
- $139.1M
- Assets vs Q2 2025
- +5.7%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 271250090
- Latest call report
- Q2 2026, FFIEC 041 · Wintrust Private Trust Company, N.A. call report
- Holding company
- LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION
Wintrust Private Trust Company, N.A. carries far more capital than most banks of its size. The Lake Forest, Illinois bank had $139 million in assets at June 30, 2026, up 5.7% from a year earlier. It holds common equity equal to 459.87% of its risk-weighted assets, 30.4 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 29% from a year earlier, to $1.8 million. Profitability lags: it returns 5.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Wintrust Private Trust Company, N.A. reported a CET1 capital ratio of 459.87%, a return on assets of 5.13% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $139.1M. On its Q2 2026 call report, Wintrust Private Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 73
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $137.6M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2719810
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Parent Holding Company
- LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION (RSSD 1917301)
- Ultimate Parent
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wintrust Private Trust Company, N.A.'s total assets ranged from $122.9M (Q3 2023) to $139.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.1M total assets against $131.6M; $2.2M total liabilities against $1.8M.
$0 net loans and leases against $0; $0 total deposits against $0.
$6.7M securities against $15.8M; $121.9M cash and balances due against $105.2M.
$423K total interest income against $410K; $0 total interest expense against $0.
$423K net interest income against $410K.
$7.3M total noninterest income against $6.6M; $5.4M total noninterest expense against $5.1M.
No provision recorded in the last 12 quarters.
$1.8M net income against $1.4M.
5.13% return on assets against 4.22%; 3.91% net interest margin against 4.47%.
459.87% CET1 capital ratio against 484.66%; 99.44% tier 1 leverage ratio against 99.65%.
Inside the full Wintrust Private Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.52% (Q3 2024) to 5.30% (Q4 2025) and its net interest margin ran from 3.91% (Q2 2026) to 4.47% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 459.87% | 5.13% | — | 0.00% | 3.91% |
| Q1 2026 | 465.00% | 4.40% | — | 0.00% | 3.93% |
| Q4 2025 | 467.61% | 5.30% | — | 0.00% | 4.17% |
| Q3 2025 | 468.64% | 4.98% | — | 0.00% | 4.46% |
| Q2 2025 | 484.66% | 4.22% | — | 0.00% | 4.47% |
| Q1 2025 | 490.66% | 3.85% | — | 0.00% | 4.41% |
| Q4 2024 | 476.98% | 3.38% | — | 0.00% | 4.25% |
| Q3 2024 | 480.95% | 2.52% | — | 0.00% | 4.37% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Not on file
- Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wintrust Private Trust Company, N.A.
What are Wintrust Private Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Wintrust Private Trust Company, N.A. reported total assets of $139.1 million in its FFIEC call report.
Where is Wintrust Private Trust Company, N.A. headquartered?
It is headquartered in Lake Forest, IL, United States.
What is Wintrust Private Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 459.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Wintrust Private Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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