WINTRUST FINANCIAL CORP operates 4 active bank charters, each examined independently for CRA compliance.

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WINTRUST FINANCIAL CORP

Legal name: WINTRUST FINANCIAL CORPORATION

4 active banks · 1 merged/absorbed · $14.1B combined assets

RSSD ID: 2260406 (FFIEC NIC)

Combined Assets

$14.1B

CRA Rating Summary

Satisfactory4charters

Across all 19 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankNORTHVIEW BANK & TRUSTWHEATON, ILSatisfactory$4.5BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

4 of 4 banks · Meets expectations for community lending

Combined Assets

$14.1B

4 active banks

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$11.8B

Net Income

$65M

ROA (avg)

1.83%

asset-weighted avg

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

79.79%

Denial Rate

7.45%

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
NORTHVIEW BANK & TRUST	WHEATON, IL	FDIC	$4.5B	100.0%	Satisfactory	Nov 1999
MACATAWA BANK	HOLLAND, MI	FDIC	$3.5B	100.0%	Satisfactory	Nov 2021
VILLAGE BANK AND TRUST ARLINGTON HEIGHTS	ARLINGTON HEIGHTS, IL	FDIC	$3.5B	100.0%	Satisfactory	Nov 2002
STATE BANK OF THE LAKES	ANTIOCH, IL	FDIC	$2.7B	100.0%	Satisfactory	Jun 2004

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.