BlastPoint's Banking Scorecard

Wintrust Bank, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 33935

Chicago, IL

38 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits -0.2% year over year ($8.3B on the books).
Delinquency rate 0.36%.
Return on assets 1.98%.
Efficiency ratio 45.35% vs a 59.73% peer average.
Loan-to-deposit ratio 95.10% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Wintrust Bank, National Association has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 23.0% in tier
+ ROA 0.59% above tier average
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio 14.38% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.9% in tier

Get updates when Wintrust Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$9.6B +0.0% YoY +3.1% QoQ	+$6.8B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 0.8% in tier
Total Loans ?	$7.9B +0.5% YoY +1.0% QoQ	+$5.9B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 0.2% in tier
Total Deposits ?	$8.3B -0.2% YoY +4.5% QoQ	+$6.0B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 0.6% in tier
Return on Assets ?	1.98% +11.2% YoY -0.3% QoQ	+0.59%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 12.7% in tier
Net Interest Margin ?	3.93% +0.1% YoY +0.6% QoQ	+0.06%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	45.35% -1.9% YoY +1.0% QoQ	-14.38%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 12.4% in tier
Delinquency Rate ?	0.36% -50.4% YoY -0.2% QoQ	-0.51%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	95.10% +0.8% YoY -3.4% QoQ	+10.06%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	27.95% -0.9% YoY -2.9% QoQ	+6.68%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.38% -45.2% YoY -3.2% QoQ	-0.29%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	12.25% +8.4% YoY +1.4% QoQ	-2.59%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.75% +16.9% YoY +100.4% QoQ	+0.23%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 9.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	27.9% -0.2pp YoY -0.8pp QoQ	+6.6pp	21.4%	20.1%	22.2%	80%
Brokered Deposits	2.2% -1.9pp YoY +1.0pp QoQ	-7.3pp	9.5%	8.0%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	37.9% -3.0pp YoY +2.5pp QoQ	+23.9pp	14.0%	14.7%	12.5%	94%
CRE	35.8% -1.1pp YoY -2.1pp QoQ	-14.2pp	50.0%	37.9%	41.4%	16%
1-4 Family	11.4% +0.2pp YoY +0.1pp QoQ	-15.0pp	26.4%	28.3%	31.3%	21%
Consumer	7.5% -0.5pp YoY -0.4pp QoQ	+2.7pp	4.7%	5.4%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.2% +0.9pp YoY +0.2pp QoQ	-3.3pp	15.6%	19.9%	19.7%	29%
Leverage Ratio	11.4% +0.6pp YoY +0.1pp QoQ	+0.1pp	11.3%	12.2%	12.6%	68%
Total Capital Ratio	13.3% +0.8pp YoY +0.2pp QoQ	-3.4pp	16.7%	20.9%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	651 +14 (+2.2%) YoY +28 (+4.5%) QoQ	+337	313	228	482	91%
Assets per Employee ($)	$14.7M -2.1% YoY -1.3% QoQ	+$4.2M	$10.5M	$8.3M	$8.8M	88%
Branch Count	37 0 YoY 0 QoQ	+17	20	10	18	88%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	17%
Nonaccrual	0.4% -0.4pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	36%
Allowance Coverage	2.71x +72.7% YoY +2.6% QoQ	-16.00x	18.71x	5.62x	20.23x	60%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY -0.1pp QoQ	0.0pp	0.3%	0.1%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	17.2% +1.4pp YoY -0.1pp QoQ	+4.6pp	12.6%	10.5%	11.6%	83%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.6%	1.7%	41%
Net Income ($, YTD)	$93.6M +10.4% YoY — QoQ	+$74.4M	$19.2M	$11.7M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#52 of 222 • Top 23.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.75%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.98%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#44 of 361 • Bottom 11.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.10%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Total Loans

size

Value: $7.88B

Peer Median: $1.96B

#3 of 885 Top 0.2% in $1B-$10B

Total Deposits

size

Value: $8.29B

Peer Median: $2.32B

#6 of 885 Top 0.6% in $1B-$10B

Total Assets

size

Value: $9.57B

Peer Median: $2.79B

#8 of 885 Top 0.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.75%

Peer Median: 0.53%

#87 of 885 Top 9.7% in $1B-$10B

111

Efficiency Ratio

profitability

Value: 45.35%

Peer Median: 59.73%

#111 of 885 Top 12.4% in $1B-$10B

113

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.39%

#113 of 885 Top 12.7% in $1B-$10B

181

Non-Interest-Bearing Deposit Share

funding

Value: 27.95%

Peer Median: 21.27%

#181 of 885 Top 20.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available