BlastPoint's Banking Scorecard
Wintrust Bank, National Association
Mid-Market
Specialty: Commercial
IL
FDIC cert 33935
Chicago, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Wintrust Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33% in Mid-Market
- + Return on Assets 0.72% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10% in Mid-Market
- - Credit Quality Pressure: Bottom 16% in Mid-Market
- - Capital Thin: Bottom 50% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.6B
+1.5% YoY
+1.8% QoQ
|
-$881.0M |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$7.8B
-0.2% YoY
+1.1% QoQ
|
+$653.7M |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$8.3B
+2.1% YoY
+2.2% QoQ
|
-$204.5M |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.88%
-3.6% YoY
+4.8% QoQ
|
+0.72% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.97%
+1.7% YoY
+0.6% QoQ
|
+0.58% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
45.77%
+0.8% YoY
-0.9% QoQ
|
-10.84% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.39%
+14.1% YoY
-16.6% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
93.40%
-2.3% YoY
-1.0% QoQ
|
+7.93% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
29.89%
+4.7% YoY
+4.8% QoQ
|
+9.25% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.42%
-31.8% YoY
-14.0% QoQ
|
-0.08% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
11.51%
-1.4% YoY
-0.8% QoQ
|
-2.04% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
22% |
| Non-Interest Income / Assets ? |
1.35%
-16.8% YoY
+33.6% QoQ
|
+0.39% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#17 of 49 · Top 33% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.35%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.88%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Return on Assets
metric
Top 9%
in Mid-Market
Why this stands out
Current:
1.88%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (3)
Liquidity Strain
risk
#9 of 80 · Bottom 10% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.40%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#19 of 113 · Bottom 16% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.39%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#26 of 51 · Bottom 50% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.51%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.96%
84
84th pctile
Efficiency Ratio
Current: 45.77% · Tier avg: 56.60%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.89% · Tier avg: 20.64%
77
77th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.40%
71
71th pctile
Total Loans
Current: $7.8B · Tier avg: $7.1B
68
68th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
65
65th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
61
61th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
51
51th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
30
30th pctile
Loan-to-Deposit Ratio
Current: 93.40% · Tier avg: 85.47%
22
22th pctile
Tier 1 Capital Ratio
Current: 11.51% · Tier avg: 13.55%
Top Weaknesses
22
22th pctile
Tier 1 Capital Ratio
Current: 11.51% · Tier avg: 13.55%
30
30th pctile
Loan-to-Deposit Ratio
Current: 93.40% · Tier avg: 85.47%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
61
61th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
65
65th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
68
68th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
71
71th pctile
Total Loans
Current: $7.8B · Tier avg: $7.1B
77
77th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.40%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.89% · Tier avg: 20.64%
84
84th pctile
Efficiency Ratio
Current: 45.77% · Tier avg: 56.60%
88
88th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.96%
91
91th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%