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Wintrust Bank, National Association
Chicago, IL·FDIC Cert #33935·Charter: OCC·Est. 19940914.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$9.6B
Q4 2025
Return on Assets
1.88%
+0.09%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.77%
Peer avg: 56.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.88%+0.09
ROE
16.75%+0.83
Efficiency
45.77%-0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.39%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.40%-0.98
Charge-offs
0.45%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.5 | 1.8 | 1.9 | 2.0 | 2.0 | 1.8 | 1.8 | 1.9 |
| ROE | 22.5 | 16.3 | 16.9 | 17.6 | 17.3 | 15.8 | 15.9 | 16.8 |
| Efficiency | 40.9 | 44.4 | 45.4 | 45.4 | 46.3 | 46.2 | 46.2 | 45.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.8 | 0.5 | 0.3 | 0.4 | 0.7 | 0.5 | 0.4 |
| Charge-offs | 0.2 | 0.4 | 0.6 | 0.5 | 0.3 | 0.3 | 0.4 | 0.5 |
| Loan/Deposit | 96.7 | 95.9 | 96.3 | 95.6 | 91.9 | 94.4 | 94.4 | 93.4 |
Balance Sheet
Total Assets$9.6B
Total Deposits$8.3B
Total Loans$7.8B
Total Equity$1.1B
Profitability
ROA1.88%
ROE16.75%
Efficiency Ratio45.77%
Net Income$179.2M
Risk & Asset Quality
NPL Ratio0.39%
Charge-off Rate0.45%
Loan/Deposit93.40%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans