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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Wintrust Bank National Association

Chicago, Illinois · $9.57B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

96.0%
Loans / deposits
12th of 12
1.96%
ROA
2nd of 12
+0.4%
Loans, year over year
10th of 12, largest first

Wintrust Bank National Association is the second largest of the 12 Illinois banks nearest its size between $3B and $10B, with $9.57B in assets at 30 June 2026. Loans are 96.0% of deposits, the highest in the cohort against a median of 90.4%, and equity is 11.6% of assets, 5th of 12. Loans grew +0.4% in the year, 10th of 12, and deposits fell 0.2%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.36% of the book, 5th of 12 against a median of 0.59%; 0.25% is 30 to 89 days past due, and the allowance covers them 2.7 times. Net charge-offs are 0.24% of loans, 8th of 12. Commercial real estate is 31.2% of loans, 6th of 12 against a median of 31.6%, and 211% of capital, below the 300% screen, with construction at 57% against the 100% screen.

Return on assets is 1.96%, 2nd of 12 against a median of 1.50%, on an efficiency ratio of 45.5%, 4th of 12. Five years ago it was 1.38%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsIL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 90.4% FA First American Bank 61.0% MS Midland States Bank 74.3% MC Morton Community Bank 75.0% HB Heartland Bank & Trust Co. 82.3% NB Northbrook Bank & Trust Co. N.A. 83.2% HB Hinsdale Bank & Trust Co. N.A. 90.0% FM First Mid Bank & Trust N.A. 90.8% BB Barrington Bank & Trust Co. N.A. 94.2% LF Lake Forest Bank & Trust Co. N.A. 94.9% BB Byline Bank 95.7% OS Old Second National Bank 96.0% WB Wintrust Bank National Association 96.0%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% BB Byline Bank +2.9% WB Wintrust Bank National Association +0.4% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Wintrust Bank National Association is the 46th largest 7(a) lender into Illinois of 537, with $67M across 108 loans, 0.4% of everything approved in the state (Byline Bank leads with $2.39B). 5 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$58M24th of 2820.9%+0.4 pts
Dupage, IL$7M50th of 1880.4%thin
Adams, CO$4M60th of 1340.4%thin
Jefferson, CO$3M67th of 1830.2%thin
Marshall, IN$2M10th of 382.6%quiet FY2019
Racine, WI$2M34th of 890.6%thin
Mesa, CO$2M36th of 670.6%thin
Milwaukee, WI$1M90th of 1440.1%quiet FY2010
Lake, IL$750K106th of 1600.1%quiet FY2021
Mchenry, IL$632K72nd of 1080.1%quiet FY2022
Collier, FL$500K100th of 1360.1%thin
Mecklenburg, NC$210K168th of 1770.0%thin
Kane, IL$200K129th of 1410.0%quiet FY2016
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing15$15M18.2%0.04%361st of 2,246
Wholesale trade7$13M15.9%0.05%252nd of 1,651
Professional & technical services23$12M15.4%0.04%254th of 1,955
Accommodation & food services17$10M12.1%0.01%574th of 2,596
Construction11$8M10.4%0.03%399th of 2,063
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Wintrust Bank National Association
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans WB Wintrust Bank National Association 0.4% $67M · 108 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Wintrust Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen211%8th of 12185%
Construction against capital, the 100% screen57%12th of 1234%
Construction and land development, share of loans8.5%10th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans15.1%7th of 1214.7%
Total CRE, the guidance definition, share of loans31.2%6th of 1231.6%
CRE growth over 36 months, the third prong+4.5%4th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Byline Bank$9.91B1.7%47.6%0.93%0.27%1.5%95.7%14.1%
Wintrust Bank National Association$9.57B2.0%45.5%0.36%0.24%1.0%96.0%11.6%
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wintrust Bank National AssociationCohort median
20212026Change20212026Change
Loans$6.87B$7.96B+16%$2.79B$4.89B+75%
Deposits$7.58B$8.29B+9%$4.35B$5.65B+30%
NPA / loans0.23%0.36%+0.12 pts0.62%0.59%-0.03 pts
Efficiency54.6%45.5%-9.1 pts55.9%51.5%-4.4 pts
ROA1.38%1.96%+0.58 pts1.42%1.50%+0.08 pts

This read was prepared for Wintrust Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Wintrust Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $3B to $10B
Institution www.wintrustbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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