Wintrust Bank, National Association is a national bank headquartered in Chicago, Illinois, in business for about 32 years. At the end of Q2 2026 it reported $9.6B in total assets and $8.3B in deposits, with 37 offices.
Wintrust Bank, National Association has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 108th. Earnings contributes the most (99/100, 1.98%); funding & liquidity contributes the least (31/100, 95% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (69 → 75), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.85% |
| Q3 2024 | 10.61% |
| Q4 2024 | 11.14% |
| Q1 2025 | 11.05% |
| Q2 2025 | 10.84% |
| Q3 2025 | 10.76% |
| Q4 2025 | 10.52% |
| Q1 2026 | 11.29% |
| Q2 2026 | 11.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.95% |
| Q1 2025 | 1.95% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.79% |
| Q4 2025 | 1.88% |
| Q1 2026 | 1.98% |
| Q2 2026 | 1.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $9.6B | 11.41% | 0.36% | 1.98% | 95.1% |
| Q1 2026 | 74 | $9.3B | 11.29% | 0.36% | 1.98% | 98.4% |
| Q4 2025 | 71 | $9.6B | 10.52% | 0.39% | 1.88% | 93.4% |
| Q3 2025 | 71 | $9.4B | 10.76% | 0.47% | 1.79% | 94.4% |
| Q2 2025 | 69 | $9.6B | 10.84% | 0.72% | 1.78% | 94.4% |
| Q1 2025 | 74 | $9.6B | 11.05% | 0.44% | 1.95% | 91.9% |
| Q4 2024 | 74 | $9.4B | 11.14% | 0.34% | 1.95% | 95.6% |
| Q3 2024 | 71 | $9.6B | 10.61% | 0.49% | 1.86% | 96.3% |
| Q2 2024 | 69 | $9.6B | 10.85% | 0.78% | 1.78% | 95.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Forest Bank & Trust Company, National AssociationBank Lake Forest, IL | 71 out of 100, Strong | $9.3B | 9.9% | 0.34% | vs |
| Byline BankBank Chicago, IL | 74 out of 100, Strong | $9.9B | 12.9% | 0.93% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| First American BankBank Elk Grove Village, IL | 63 out of 100, Moderate | $8.6B | 7.6% | 0.60% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
Deposit insurance
Is my money safe at Wintrust Bank, National Association?
Yes. Wintrust Bank, National Association is an FDIC-insured institution (FDIC certificate #33935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.9% of deposits ($3.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).
37 locations
Branches
Wintrust Bank, National Association lists 35 offices in 7 cities. Most locations:
- Chicago, IL (28)
- Evanston, IL (2)
- Glencoe, IL (1)
- Norridge, IL (1)
- Skokie, IL (1)
- Wilmette, IL (1)
- Winnetka, IL (1)
HMDA 2025
Mortgage lending
In 2025, Wintrust Bank, National Association reported 341 home-loan applications under HMDA (LEI 549300RAQJBTN6Z28096): 288 originated ($542,240,000 total), 9 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Wintrust Bank, National Association
- Former names
- North Shore Community Bank & Trust Company; Wintrust Bank
- Type
- National bank
- FDIC certificate #
- 33935
- RSSD ID
- 2239288
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- September 14, 1994
- Headquarters
- 231 S La Salle St, Chicago, IL 60604
- Website
- www.wintrustbank.com
- Employees
- 651
Quick answers
Wintrust Bank, National Association: common questions
Is Wintrust Bank, National Association FDIC insured?
Yes. Wintrust Bank, National Association is an FDIC-insured institution (FDIC certificate #33935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wintrust Bank, National Association's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Wintrust Bank, National Association ever failed?
There is no failure record for FDIC certificate #33935 in the FDIC failed bank list.
How many branches does Wintrust Bank, National Association have?
37 offices as of the latest FDIC data.
Nearby
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| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
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| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |