Wintrust Private Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common equity tier 1 ratio dropped 5.13 percentage points in Q2 2026, from 465.00% to 459.87%. It was the largest change from Q1 2026 among the key lines here. Against a median of 15.07% for banks in the $100M-1B asset tier, Wintrust Private Trust Company, N.A. reported 459.87% on CET1 ratio in Q2 2026, 444.80 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 459.87% |
| Tier 1 risk-based capital ratio | 459.87% |
| Total risk-based capital ratio | 459.87% |
| Tier 1 leverage ratio | 99.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $134.4M |
| Tier 1 capital | $134.4M |
| Total risk-based capital | $134.4M |
| Total equity capital | $136.9M |
| Risk-weighted assets | $29.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 98.39% |
| Tangible equity to tangible assets | 98.35% |
| Equity capital to average assets | 99.46% |
| Internal capital growth rate | 5.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $98.1M |
| Retained earnings | $38.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $16K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 469.37% | 469.37% | 469.37% | 98.83% | $25.4M |
| Q4 2023 | 474.65% | 474.65% | 474.65% | 99.16% | $25.4M |
| Q1 2024 | 475.29% | 475.29% | 475.29% | 99.48% | $25.5M |
| Q2 2024 | 480.94% | 480.94% | 480.94% | 99.66% | $25.5M |
| Q3 2024 | 480.95% | 480.95% | 480.95% | 99.18% | $25.6M |
| Q4 2024 | 476.98% | 476.98% | 476.98% | 99.29% | $26.1M |
| Q1 2025 | 490.66% | 490.66% | 490.66% | 99.59% | $25.6M |
| Q2 2025 | 484.66% | 484.66% | 484.66% | 99.65% | $26.3M |
| Q3 2025 | 468.64% | 468.64% | 468.64% | 99.09% | $27.5M |
| Q4 2025 | 467.61% | 467.61% | 467.61% | 99.03% | $28.0M |
| Q1 2026 | 465.00% | 465.00% | 465.00% | 99.19% | $28.5M |
| Q2 2026 | 459.87% | 459.87% | 459.87% | 99.44% | $29.2M |
Wintrust Private Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wintrust Private Trust Company, N.A., freeSource: Call Report Schedule RC-R, 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 Private Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2719810)