BlastPoint's Banking Scorecard

Wintrust Bank, National Association

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

Chicago, IL

37 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

Wintrust Bank, National Association has 5 strengths but faces 3 concerns

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 21.7% in tier
+ ROA 0.62% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 16.15% below tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 3.8% in tier
- Liquidity Strain: Bottom 24.8% in tier
- Capital Constraint: Bottom 56.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$9.3B -3.8% YoY -3.1% QoQ	+$6.5B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 1.4% in tier
Total Loans ?	$7.8B +1.5% YoY +0.2% QoQ	+$5.8B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 0.3% in tier
Total Deposits ?	$7.9B -5.1% YoY -4.9% QoQ	+$5.6B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 1.1% in tier
Return on Assets ?	1.98% +1.6% YoY +5.4% QoQ	+0.62%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 10.4% in tier
Net Interest Margin ?	3.90% +1.0% YoY -1.7% QoQ	+0.09%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	44.91% -2.9% YoY -1.9% QoQ	-16.15%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 11.1% in tier
Delinquency Rate ?	0.36% -18.6% YoY -8.6% QoQ	-0.53%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	98.39% +7.0% YoY +5.3% QoQ	+14.19%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	28.79% -3.9% YoY -3.7% QoQ	+7.50%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.39% -12.9% YoY -6.2% QoQ	-0.28%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	12.08% +4.0% YoY +4.9% QoQ	-3.08%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.38% +27.9% YoY -72.2% QoQ	+0.12%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 9.4% in tier

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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

#49 of 221 • Top 21.7% 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: 0.38%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.98%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Deposit Outflow

decline

#6 of 130 • Bottom 3.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Strain

risk

#84 of 334 • Bottom 24.8% 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: 98.39%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#22 of 37 • Bottom 56.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 98.39%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.08%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Total Loans

size

Value: $7.80B

Peer Median: $1.96B

#4 of 884 Top 0.3% in $1B-$10B

Total Deposits

size

Value: $7.93B

Peer Median: $2.34B

#11 of 884 Top 1.1% in $1B-$10B

Total Assets

size

Value: $9.28B

Peer Median: $2.82B

#13 of 884 Top 1.4% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.26%

#84 of 884 Top 9.4% in $1B-$10B

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.37%

#93 of 884 Top 10.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.91%

Peer Median: 61.06%

#99 of 884 Top 11.1% in $1B-$10B

165

Non-Interest-Bearing Deposit Share

funding

Value: 28.79%

Peer Median: 21.29%

#165 of 884 Top 18.6% in $1B-$10B

Top Weaknesses (1 metrics)

738

Loan-to-Deposit Ratio

liquidity

Value: 98.39%

Peer Median: 84.20%

#738 of 884 Bottom 16.6% in $1B-$10B