Wintrust Private Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 451.87% (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: 451.87% (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 459.87% +453.37 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 | $134.4M | 134,420 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.2M | 29,230 | RCOAA223 |
| Recomputed ratio | 459.87% | numerator / denominator | |
| Filed ratio | 459.87% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +453.37 pp | $132.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 459.87% +451.87 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 | $134.4M | 134,420 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.2M | 29,230 | RCOAA223 |
| Recomputed ratio | 459.87% | numerator / denominator | |
| Filed ratio | 459.87% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +451.87 pp | $132.1M | capital that could be lost first |
Total risk-based capital ratio 459.87% +449.87 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 | $134.4M | 134,420 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.2M | 29,230 | RCOAA223 |
| Recomputed ratio | 459.87% | numerator / denominator | |
| Filed ratio | 459.87% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +449.87 pp | $131.5M | capital that could be lost first |
Tier 1 leverage ratio 99.44% +94.44 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 | $134.4M | 134,420 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $135.2M | 135,175 | RCOAA224 |
| Recomputed ratio | 99.44% | numerator / denominator | |
| Filed ratio | 99.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +94.44 pp | $127.7M | 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 | 98,842 | 98,728 | 98,602 | 98,490 | 98,392 | 98,281 | RCOAP742 |
| Retained earnings | 38,010 | 36,243 | 34,747 | 32,963 | 31,313 | 29,942 | RCOAKW00 |
| Accumulated other comprehensive income | 16 | 17 | 40 | 39 | 21 | 18 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 136,868 | 134,988 | 133,389 | 131,492 | 129,726 | 128,241 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,448) | (2,449) | (2,472) | (2,471) | (2,453) | (2,450) | P859 - P840 |
| Common equity Tier 1 capital | 134,420 | 132,539 | 130,917 | 129,021 | 127,273 | 125,791 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 134,420 | 132,539 | 130,917 | 129,021 | 127,273 | 125,791 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 134,420 | 132,539 | 130,917 | 129,021 | 127,273 | 125,791 | RCOA3792 |
| Total risk-weighted assets | 29,230 | 28,503 | 27,997 | 27,531 | 26,260 | 25,637 | RCOAA223 |
| Average total assets for the leverage ratio | 135,175 | 133,624 | 132,200 | 130,201 | 127,725 | 126,312 | 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 | $121.9M | $24.4M | 20.00% | 83.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $6.7M | $340K | 5.08% | 1.16% | RC-R Part II, item 2.a, 2.b |
| All other assets | $6.9M | $3.9M | 56.37% | 13.33% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $612K | NA | 2.09% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $28.6M | ties to item 31 ($28.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $29.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $29.2M | 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 | 459.87% | 459.87% | 459.87% | 99.44% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 465.00% | 465.00% | 465.00% | 99.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 467.61% | 467.61% | 467.61% | 99.03% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 468.64% | 468.64% | 468.64% | 99.09% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 484.66% | 484.66% | 484.66% | 99.65% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 490.66% | 490.66% | 490.66% | 99.59% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 99.29% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | NA | NA | NA | 99.18% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | NA | NA | NA | 99.66% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 99.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 99.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 98.83% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Private Trust Company, N.A. (this bank) | Risk-based | 459.87% | 459.87% | 459.87% | 99.44% | |
| Texas National Bank | $139.1M | Risk-based | 25.05% | 25.05% | 25.99% | 10.97% |
| Planters and Citizens Bank | $139.2M | CBLR | NA | NA | NA | 10.54% |
| West Plains Bank | $139.3M | CBLR | NA | NA | NA | 14.84% |
| The Buckholts State Bank | $138.8M | Risk-based | 28.11% | 28.11% | 28.92% | 17.62% |
| Community Bankers' Bank | $139.4M | CBLR | NA | NA | NA | 15.43% |
| Abbeville First Bank, SSB | $138.8M | CBLR | NA | NA | NA | 10.38% |
| Sidney State Bank | $138.7M | CBLR | NA | NA | NA | 9.65% |
| Elk State Bank | $138.7M | Risk-based | 14.01% | 14.01% | 15.26% | 8.25% |
| First State Bank | $139.6M | CBLR | NA | NA | NA | 11.21% |
| The Farmers Bank | $139.6M | CBLR | NA | NA | NA | 11.58% |
| Peer 25th percentile | 19.53% | 19.53% | 20.62% | 10.42% | ||
| Peer median | 25.05% | 25.05% | 25.99% | 11.09% | ||
| Peer 75th percentile | 26.58% | 26.58% | 27.46% | 14.03% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/2719810/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.