Wintrust Financial

Name

Wintrust Financial

Legal name

Wintrust Financial Corporation

Website

https://wintrust.com

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Finance and Insurance (52), Sales Financing (52222)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

High-Net-Worth (HNW) Private Banking (FSABADAB)

akta.pro secondary industries

Securities & Custody Operations (Safekeeping, Corporate Actions, Settlement Support) (FSABALAG), Private Banking Cross-Border & International Wealth Services (FSABADAL), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Community banking services
• Commercial lending solutions
• Wealth management services
• Specialty finance lending
• Treasury management services

Headquarters

HQ city

Rosamond

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Net Interest Income: Primary revenue driver from interest-earning assets including loans and securities. Deposits grew $1.2 billion (8% annualized) in Q1 2026, loans grew approximately $1.0 billion (7% annualized), with net interest margin at 3.56%.
2. Non-Interest Income: Fee income from wealth management services, mortgage banking, SBA lending, specialty finance operations, and treasury management fees. Q1 2026 noninterest income led by wealth management growth.
3. Mortgage Banking: Residential mortgage origination through Wintrust Mortgage division, offering purchase, refinance, and home equity solutions. Relationship Pricing Program rewards Wintrust customers with mortgage savings.
4. Specialty Finance: Equipment financing and leasing through Wintrust Asset Finance (#31 in Monitor 100 2025), premium finance through First Insurance Funding, and asset-based lending through Wintrust Business Credit.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Wintrust Financial Corporation is a financial holding company that operates a community banking franchise through 16 separately chartered community banks with 200+ retail locations across Illinois, Wisconsin, Michigan, Indiana, and Florida. The company delivers consumer and business deposit products (checking, savings, CDs, HELOC), residential mortgages through Wintrust Mortgage, commercial and specialty lending (SBA, commercial real estate, construction, equipment finance, asset-based lending, franchise, agriculture), treasury management with the i-BusinessBanking platform, international banking services (FX, letters of credit), wealth management through Wintrust Wealth Management, and private banking through Wintrust Private Client, generating revenue primarily from net interest income with supplementary fee-based services.

Product overview

Wintrust Financial Corporation is a financial holding company operating a multi-faceted banking organization through 16 separately chartered community banks with over 200 locations across Illinois, Wisconsin, Michigan, Indiana, and Florida. The company provides a comprehensive suite of financial products and services including: (1) consumer/community banking through deposit accounts (checking, savings, CDs, HELOC) via Wintrust Community Banks and Wintrust Digital Banking; (2) commercial and middle-market banking services including specialized lending (commercial real estate, construction/engineering/architecture, equipment finance, franchise finance, agriculture, asset-based lending), treasury management with i-BusinessBanking platform, international services, and trade finance; (3) specialty finance through First Insurance Funding, Tricom (payroll/staffing), Wintrust Commercial Finance, Wintrust Specialty Finance, and Wintrust Equipment Finance divisions; (4) wealth management and private banking through Wintrust Wealth Management and Wintrust Private Client; (5) residential mortgages through Wintrust Mortgage; and (6) SBA lending programs. The company also offers MaxSafe accounts for enhanced FDIC coverage, Wintrust@Work employee banking programs, and Community Advantage for HOA banking.

Differentiator

Problem solved

Functional benefit

Brands

• Wintrust Mortgage: Mortgage lending division of Wintrust, a division of Barrington Bank & Trust Company, N.A.
• Wintrust Wealth Management
• Wintrust Community Banks
• First Insurance Funding
• Tricom
• Wintrust Commercial Banking
• Wintrust@Work
• Wintrust Private Client
• Wintrust Community Advantage
• Wintrust Asset Finance
• Wintrust Commercial Finance
• Wintrust Specialty Finance
• Wintrust Equipment Finance
• Chicago Deferred Exchange Company
• Wintrust Credit Academy
• MaxSafe

Products and services

• Total Access Checking Everyday personal checking account with early direct deposit access up to two business days, free ATMs nationwide, no minimum balance requirements, and no monthly maintenance fees for individual consumers.
• Access Plus Checking Premium personal checking with variable interest rates, waived safe deposit box fees, free first-order specialty checks, and domestic wire transfer reimbursements; requires $2,500 average daily balance or $25,000 combined relationship balance to avoid $10 monthly fee.
• Premier Checking High-tier personal checking with tiered variable interest rates, Statement Savings Advanced rate bonuses, waived fees, and up to 5 outgoing wire transfer reimbursements; requires $10,000 average daily balance or $75,000 combined relationship balance to avoid $25 monthly fee.
• Statement Savings Advanced Personal savings account with competitive variable interest rates, no minimum to open, $200 daily balance requirement to avoid $5 monthly maintenance fee, and digital access capabilities for individual savers.
• Money Market Advanced Hybrid checking-savings account with tiered variable interest rates paid monthly, ATM access, and $2,500 minimum balance requirement to avoid monthly fees.
• Certificate of Deposit (CD) Fixed-rate savings product with terms ranging from 13 months and longer, $1,000 minimum to open, providing safe secure growth with guaranteed returns for individual savers.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity with variable rates starting at 6.75% APR for $500,000+, 10-year draw period, and fixed-rate lock options up to 2x for homeowners.
• Wintrust Mortgage Residential mortgage division of Barrington Bank & Trust Company offering purchase, refinance, and home equity solutions with relationship pricing for existing Wintrust customers across the 200+ branch network.
• Entrepreneur Checking Business checking account for startups and small businesses with no minimum monthly balance, 150 free monthly transactions, free i-BusinessBanking profile, and bonus offers for qualifying new accounts.
• Business Community Checking Business checking account with $2,500 minimum average balance to waive fees, 250 free monthly transactions, and free multi-user i-BusinessBanking access for small businesses.
• Have-It-All Business Checking Premium business checking for larger enterprises with $20,000 minimum balance requirement and 400 free monthly transactions including treasury management access.
• MaxSafe Business Account Enhanced business deposit account providing up to $4 million in FDIC insurance coverage by distributing funds across Wintrust's individually chartered banks, with single statement and tax documentation for businesses needing higher coverage than standard FDIC limits.
• SBA Express Loan Small business loan up to $500,000 with expedited turnaround, lower down payments, and revolving lines of credit for expansions, acquisitions, and cash flow management.
• SBA 7(a) Loan Most popular SBA loan product up to $5 million for business expansion, acquisitions, debt refinance, and working capital with financing that can exceed traditional collateral requirements.
• SBA 504 Loan SBA loan up to $10 million for acquisition or refinance of equipment and owner-occupied real estate with down payments as low as 10% and longer-term fixed rates.
• Treasury Management Comprehensive payment and receivable solutions including retail/wholesale lockbox, i-BusinessBanking, remote deposit capture, MaxSafe accounts, ACH origination, wire transfers, and fraud prevention services for middle-market commercial clients.
• International Services Multinational banking services including foreign exchange (i-BusinessFX), international payments in 130+ currencies, hedging services, foreign currency accounts, and trade finance through letters of credit.
• Multinational Commercial Banking Banking services for multinational companies navigating the U.S. market with custom financial solutions for strategic global expansion, leveraging over 50 years of experience through dedicated professionals.
• Commercial Real Estate Lending Commercial mortgages and construction loans with flexible financing for buying, building, renovating, or refinancing commercial properties, including IRC Section 1031 tax-deferred exchange services through Chicago Deferred Exchange Company.
• Construction, Engineering & Architecture Lending Specialized lending for construction industry companies including general contractors, specialty subcontractors, and engineering/architecture firms with $1.25 billion in committed capital supporting over 300 contractors nationwide.
• Asset-Based Lending Working capital financing through revolving lines of credit on accounts receivable and inventory, and term loans secured by equipment and real estate for middle-market companies in manufacturing, distribution, logistics, food and beverage, staffing, and steel industries.
• Equipment Loans and Leasing Equipment financing solutions through three specialized teams: Wintrust Commercial Finance (nationwide, $5M-$50M), Wintrust Specialty Finance (vendor programs), and Wintrust Equipment Finance (Chicagoland, $500K-$10M) for businesses needing equipment acquisition financing.
• Franchise Finance Specialized franchise lending for acquisitions, real estate, refinances, recapitalization, and development lines of credit with over 20 years of dedicated franchise financing experience for franchisees and franchisors.
• Commercial Agriculture Lending Agricultural banking services including farm real estate loans, term loans, operating lines of credit, and FSA guarantees with Preferred Lender status from USDA for farmers and agricultural businesses.
• Wintrust@Work Employee banking program providing suite of solutions for businesses including checking accounts, trust administration, mortgages, and financial wellness benefits for employees through their employer relationship with Wintrust.
• Wintrust Private Client High-net-worth banking service bringing comprehensive Wintrust expertise for personalized financial solutions with dedicated team, no hard minimums, and no proprietary product pushes for high-net-worth individuals and families.
• Wintrust Wealth Management Comprehensive wealth management services including asset management, investments, insurance, trust and estate services, and private banking through Wintrust Wealth for individuals and families.
• Insurance Premium Finance Premium finance services through First Insurance Funding providing loans for insurance premium payments with customized financing solutions for businesses and individuals across the U.S. and Canada.
• Professional Practice Group Banking Banking services tailored for professional practices including doctors, lawyers, accountants, and other professional service firms with specialized lending and deposit solutions.
• Government, Not-For-Profit & Healthcare Banking Specialized banking for government entities, nonprofit organizations, and healthcare providers with customized deposit and lending solutions and dedicated banking teams.
• ESOP Banking Services Specialized banking services for companies transitioning to employee ownership including financing solutions for ESOP transactions and succession planning.
• Financial Markets and Funds Group National niche group serving financial market participants including asset managers, broker-dealers, RIAs, and proprietary trading firms with specialized banking, lending, and deposit solutions.
• Family Office Banking Banking services for family offices and high-net-worth clients addressing lending, budgeting, planning, investing, insurance, charitable giving, and wealth transfer needs.
• Wintrust Community Advantage HOA banking division providing comprehensive services for homeowners associations, community associations, and property management companies including lending and deposit solutions.

Quantifiable outcome

• Third position in Chicago-area deposit market share
• +5 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Turning Pointe Autism FoundationminorGTM or Marketing Partner · 2 June 2026Nonprofit serving individuals with autism in Naperville, Illinois. Wintrust supporting annual Golf Outing and Ladies' Brunch & Browse fundraiser on July 13 at Butterfield Country Club, with Hunziker and Associates as title sponsor.
• Arrow Real Estate AdvisorscoreStrategic or Co-development Partner · 12 March 2026Arranged $11.8 million in financing for IG Logistics across five-property industrial outdoor storage portfolio spanning Pennsylvania, Illinois, and Florida. Financing provided by Wintrust consisting of three acquisition loans and two refinancing loans.
• RBC Capital MarketsminorGTM or Marketing Partner · 11 March 2026Wintrust presented at 2026 RBC Capital Markets Conference highlighting strategic focus on growth, stable net interest margins, and operational efficiencies.
• Raymond JamesminorGTM or Marketing Partner · 3 March 2026Wintrust participated in 47th Annual Raymond James Institutional Investor Conference highlighting strategic growth, customer-centric approach, and technology investments including AI.
• Chicago Stars FCcoreGTM or Marketing Partner · 19 December 2025Sports partnership extension through 2027 with Wintrust continuing as front-of-kit partner. Original partnership began at start of 2024 season and is the largest in the club's history. Supports community initiatives including Future Stars Fest, player camps, and programs empowering women and engaging youth in Chicagoland area.

Scale indicators21 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Northern Trust Corporation: Chicago-headquartered bank with significant private banking, wealth management, and commercial banking operations. Comparable in HNW/private client services, Middle Market banking, and Chicago regional concentration.
• Old National Bancorp: Midwest-focused commercial bank holding company operating a multi-bank charter model with community banking, wealth management, and commercial lending. Directly comparable in M&A roll-up strategy and regional deposit gathering.
• Huntington Bancshares: Midwest regional bank with strong commercial banking, specialty lending (equipment finance, capital markets), and consumer banking. Comparable in middle-market banking model and Midwest geographic footprint.
• Associated Banc-Corp: Wisconsin-headquartered bank holding company serving Midwest markets through commercial, consumer, and wealth management lines. Comparable in Midwest regional focus, commercial middle market banking, and community bank model.
• First Merchants Corporation: Midwest-based commercial bank with strong middle-market and commercial banking franchise plus wealth management. Comparable in commercial banking focus and Middle America geographic footprint.
• Pinnacle Financial Partners: Southeast and Tennessee-based bank with a relationship-driven commercial and middle-market banking model. Comparable in middle-market banking emphasis and community bank local decision-making approach.
• Cullen/Frost Bankers: Texas-based commercial bank with strong commercial and consumer banking, treasury management, and wealth management. Comparable in commercial banking focus, though operates in different geography.
• BancorpSouth / Cadence Bank: Southern-focused commercial bank holding company with community banking model, commercial lending, and wealth management. Comparable in multi-state community bank charter structure and middle-market banking.

Broad incumbents

• Comerica Incorporated: Large regional commercial bank with significant Middle Market banking and treasury management operations. Comparable in commercial banking services though serves broader national footprint with larger asset base.
• Fifth Third Bancorp: Large Midwest regional bank with commercial banking, wealth management, and specialty finance lines including payments. Comparable in Midwest commercial banking presence and diversified financial services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Wintrust
• Facebookfacebook.com/wintrust
• LinkedInlinkedin.com/company/wintrust-financial-corporation

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries24 records

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments7 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wintrust Financial