Wintrust Bank, National Association
Headquarters
231 S La Salle St
Chicago, IL 60604
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2024 Overview
General Bank Information
Wintrust Bank, National Association is an FDIC insured institution located in Chicago, IL. It was founded in 1994 and has approximately $9.54 billion in assets. Customers can open an account at one of its 28 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 33935 |
| Date Established | 1994 |
| Assets | $ 9.54 billion |
| Loans | $ 7.91 billion |
| Deposits | $ 8.23 billion |
| Capital | $ 1,036.55 million |
For a more detailed analysis of Wintrust Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
1.99% | 1.99% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Wintrust Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
Wintrust Bank, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Wintrust Bank, National Association Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Wintrust Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Wintrust Bank, National Association | U.S. Bank Average |
|---|---|
| 3.13% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, Wintrust Bank, National Association had $34,916,000 in non-current loans and $309,000 in owned real estate. To cover these potential losses it had $1,036,545,000 in equity and $87,470,000 in loans loss reserves. That gives it a Texas Ratio of 3.13%.
Return on Equity
| Wintrust Bank, National Association | U.S. Bank Average |
|---|---|
| 16.1% | 12.20% |
Wintrust Bank, National Association has a Return on Equity of 16.1% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Wintrust Bank, National Association | U.S. Bank Average |
|---|---|
| 10.86% | 10.76% |
Wintrust Bank, National Association has a Capitalization of 10.86% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Wintrust Bank, National Association Balance Sheet Analysis
As of December 31, 2023, Wintrust Bank, National Association had assets of $9,541,485,000, loans of $7,907,679,000, and deposits of $8,225,861,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 392.49 million |
| Interest-bearing balances | $ 289.29 million |
| Total securities | $ 604.96 million |
| Federal funds sold and reverse repurchase | $ 48.01 million |
| Net loans and leases | $ 7.91 billion |
| Loan loss allowance | $ 87.47 million |
| Trading account assets | $ 76.54 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.31 million |
| Goodwill and other intangibles | $ 60.27 million |
| All other assets | $ 199.50 million |
| Total Assets | $ 8.50 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 8.23 billion |
| Interest-bearing deposits | $ 5.77 billion |
| Deposits held in domestic offices | $ 8.23 billion |
| % insured (estimated) | 60.66% |
| Federal funds purchased and repurchase agreements | $ 13.43 million |
| Trading liabilities | $ 67.45 million |
| Other borrowed funds | $ 86.01 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 70.77 million |
| Total Liabilities | $ 8.50 billion |
| Shareholders’ Equity | $ 1,036.55 million |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 522.59 million |
| Total Interest Expense | $ 158.70 million |
| Net interest income | $ 363.90 million |
| Provision for loan and lease losses | $ 39.83 million |
| Total non interest income | $ 117.04 million |
| Total non interest expense | $ 220.93 million |
| Pre-tax Net Operating Income | $ 89.47 million |
Bank Loan Profile?
The top three loan types in Wintrust Bank, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.
Compared to other banks in Illinois, Wintrust Bank, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 6.27 | ✓ | ||
| Multifamily Mortgages |
5.92 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.00 | ✓ | ||
| Small Business Loans | 1.73 | ✓ | ||
| Construction and Development Loans | 5.82 | ✓ | ||
| Commercial Real Estate | 19.46 | ✓ | ||
| Commercial and Industrial Loans | 46.46 | ✓ | ||
| Farm Loans | 0.01 | ✓ | ||
Customer Reviews for Wintrust Bank, National Association
business owner
February 21, 2019 |
Please read this for all small business owners.
Do NOT use wintrust for any small business loans.
They drained me for over 2 months, and I constantly had to contact them to see what is up.
We were told at one time the check would be cut the following week, and then then asked for more items.
Please don't get your business in trouble waiting on them.
I am leaving this bank after 12 years. I put up with their old on-line banking which is about a decade behind and really messed up and not working many times without their staffs knowledge.
They are a small bank that merged, and they all don't work well with each other if you walk into a branch that is not yours.
They seem many years behind and not a big city bank like they claim.
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