WINTRUST BANK, NATIONAL ASSOCIATION

CHICAGO, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1994FDIC #33,935

Outstanding Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.98%

Institution Profile

FDIC BankFind

Website

www.wintrustbank.com

Address

231 S La Salle St, CHICAGO, IL

County

Cook County

Established

September 14, 1994

Total Assets

$9.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 8, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.3B

Total Deposits

$7.9B

Net Loans

$7.8B

Net Income

$47M

ROA

1.98%

ROE

17.33%

Risk-Based Capital

13.08%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.74%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$8.3B

1-Year Change

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	348	80.46%	3.74%
2023	285	74.04%	3.16%
2022	406	79.56%	3.20%
2021	312	82.05%	4.81%
2020	266	83.46%	4.51%
2019	323	80.19%	4.02%
2018	238	80.67%	5.46%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2022

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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