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Wintrust Financial WTFC Community Banking — Net Interest Income

Other segment segments

Specialty finance
$104.85M+13.6%
Wealth management
$8.78M+81.4%

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Other financials

Income statement

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Revenue$738.6M+10.1%
Net income$233.7M+19.5%
EPS (diluted)$3.30+18.7%

Balance sheet

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Cash & equivalents$595.9M-14.3%
Total debt$3.4B+845%
Total equity$7.5B+4.1%
Total assets$74.7B+8.2%

Cash flow

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Operating cash flow$255.1M-22.5%
CapEx$12.5M-36.2%
Free cash flow$215.1M-54.4%

Valuation

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Market cap$10.89B+30.1%
P/E12.1×+0.8×
P/S3.9×+1.1×

Profitability

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Net margin26.6%-2.0pp
FCF margin23.1%-19.1pp

Returns & leverage

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Return on equity12.2%+0.6pp
Debt / equity0.5×+0.4×

Where this comes from

Reported directly by Wintrust Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Wintrust Financial’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:47 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001015328-26-000022
(In thousands) / Three Months Ended June 30, 2026:Community BankingSpecialty FinanceWealth ManagementTotal Operating SegmentsIntersegment EliminationsConsolidated
Interest income$816,613$122,632$8,874$948,119$13,293$961,412
Interest expense346,16317,78499364,046364,046
Net interest income470,450104,8488,775584,07313,293597,366
Provision for credit losses21,3691,76523,13423,134
Non-interest income86,60636,59143,412166,609(25,340)141,269
Non-interest expense:
Salaries100,75917,89110,819129,469406129,875
Commissions and incentive compensation37,32711,45413,68262,46362,463

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's community banking — net interest income?
Wintrust Financial (WTFC) reported community banking — net interest income of $470.45M in Q2 2026.
How has Wintrust Financial's community banking — net interest income changed year-over-year?
Wintrust Financial's community banking — net interest income increased by 7.7% year-over-year, from $436.66M to $470.45M.
What is the long-term trend for Wintrust Financial's community banking — net interest income?
Over 4 years (2021 to 2025), Wintrust Financial's community banking — net interest income has grown at a 19.3% compound annual growth rate (CAGR), from $868.48M to $1.76B.
What does community banking — net interest income mean?
The difference between the interest income generated by the community banking segment's assets, such as loans and securities, and the interest expense paid on its liabilities. This is the core measure of the segment's profitability from its primary lending and deposit-taking activities. It excludes non-interest revenue streams.

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