Naperville
Naperville Bank & Trust is a community bank subsidiary of Wintrust Financial Corporation (NASDAQ: WTFC) serving personal, small business, and commercial customers through multiple branches in the western Chicago suburbs and broader Midwest, offering deposit products, lending, cash management, and wealth management services.
- Company typePrivate
- Founded1991
- HeadquartersRosamond, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Naperville does
Naperville Bank & Trust is a community bank subsidiary of Wintrust Financial Corporation (NASDAQ: WTFC), operating as one of 16 Wintrust Community Bank charters. Founded in 1991 and headquartered in the Chicago metropolitan area, the bank operates branch locations in Naperville, Wheaton, Glen Ellyn, Bolingbrook, and Lombard, Illinois, and serves customers across the greater Chicago area, southern Wisconsin, west Michigan, northwestern Indiana, and southwest Florida through the broader Wintrust network. The institution targets three primary segments: personal banking, small business, and commercial clients, with products spanning deposit accounts, consumer and commercial lending, cash management, mortgage origination, credit cards, and wealth management.
The bank's product set includes tiered personal checking (Total Access, Access Plus, Premier), savings vehicles (Statement Savings Advanced, money market, CDs), HELOCs (variable rates of 6.75%-7.50% APR), mortgages through the Wintrust Mortgage division, Visa credit cards issued via Elan Financial Services, and the Everyday Loan credit-building product. Small business offerings encompass three checking tiers (Entrepreneur, Business Community, Have-It-All), cash management tools including i-BusinessCapturePro remote deposit, Positive Pay and ACH Positive Pay fraud prevention, ACH origination, merchant processing, and SBA loans. The flagship MaxSafe program enhances FDIC coverage from $250,000 to $4 million per accountholder by spreading deposits across 16 charters. Commercial banking extends into asset-based lending, capital markets, commercial leasing, and industry-specific lending for construction, franchise, healthcare, government, and municipal clients. Digital delivery occurs through the Wintrust Digital Banking mobile and online platform with Zelle integration for person-to-person payments, mobile deposit capture, and early direct deposit access.
Revenue mechanics combine interest income on loans (mortgages, commercial, HELOCs, personal, small business), net interest margin on deposits, fee-based services (account maintenance, ATM, wire, overdraft, safe deposit), credit card revenue sharing with Elan, wealth management fees, and treasury management charges. Distribution is branch-centric with in-person consultations, scheduled appointments, and relationship-based cross-selling, supplemented by digital self-service channels and dedicated business banking centers. Marketing emphasizes community engagement through Platinum Adventures Club (age 50+), Junior Savers Club (youth), FDIC Money Smart financial education classes, and local event sponsorships. Leadership includes CEO Robert Hutchinson (since 2006), President Adam Fuchs, and a board chaired by Richard Eck, with parent Wintrust Financial Corporation led by President and CEO Timothy S. Crane.
Naperville firmographics
Firmographics- Name
- Naperville
- Legal name
- Naperville Bank & Trust
- Website
- https://banknaperville.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Naperville Bank & Trust is a community bank subsidiary of Wintrust Financial Corporation (NASDAQ: WTFC) serving personal, small business, and commercial customers through multiple branches in the western Chicago suburbs and broader Midwest, offering deposit products, lending, cash management, and wealth management services.
- Ownership category
- akta.pro rank
Naperville industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Naperville is headquartered
LocationHeadquarters
- HQ city
- Rosamond
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Naperville business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Primary revenue from interest earned on loans including mortgages, commercial lending, home equity lines of credit, personal loans, and small business loans
- Deposit Interest Expense: Bank pays interest on checking, savings, money market, and CD accounts to depositors
- Fee-based Services: Account maintenance fees, ATM fees, wire transfer fees, overdraft fees, safe deposit box rental, and other banking service charges
- Credit Card Fees: Revenue sharing from credit card program operated in partnership with Elan Financial Services
- Wealth Management Services: Asset management fees, investment advisory services, trust services, and estate planning
- Treasury Management Services: Cash management, merchant processing, and commercial banking services for business customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Total Access Checking - Basic everyday banking |
| Subscription | Monthly | Access Plus Checking - Enhanced benefits |
| Subscription | Monthly | Premier Checking - Premium tier |
| Subscription | Monthly | Statement Savings Advanced Special |
| Subscription | Pay-as-you-go | 13-Month CD Special |
| Usage-based | Monthly | Home Equity Line of Credit (HELOC) |
| Usage-based | Monthly | Everyday Loan |
| Subscription | Monthly | Money Smart Checking |
| Subscription | Monthly | Entrepreneur Checking |
| Subscription | Monthly | Business Community Checking |
| Subscription | Monthly | Have-It-All Business Checking |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Naperville product offering
Product offeringCore offering
Naperville Bank & Trust is a community bank providing a complete range of personal, small business, and commercial banking products and services through physical branches and digital channels. As one of 16 Wintrust community bank charters, it offers checking accounts, savings vehicles, mortgages, credit cards, HELOCs, SBA loans, cash management, and wealth management services to customers across greater Chicago and broader Midwest markets.
Product overview
Naperville Bank & Trust is a community bank operating as part of the Wintrust Community Banks family (with 200+ locations) that offers a comprehensive suite of personal, small business, and commercial banking products. Personal banking includes three checking tiers (Total Access, Access Plus, Premier Checking), savings vehicles (Statement Savings Advanced, CDs, Money Market), credit products (HELOC, mortgages via Wintrust Mortgage, credit cards via Elan Financial Services), and specialized programs for credit building (Money Smart Checking, Everyday Loan). The bank serves youth through Junior Savers Club and seniors through Platinum Adventures Club. Small business offerings encompass three checking levels (Entrepreneur, Business Community, Have-It-All), cash management services including merchant processing and remote deposit capture, MaxSafe FDIC coverage enhancement up to $4 million, and SBA lending. Commercial services include specialized lending, treasury management, and wealth management. Digital banking is provided through online and mobile platforms with Zelle integration for peer-to-peer payments.
Differentiator
Problem solved
Functional benefit
Brands
- MaxSafe: Deposit insurance program that increases FDIC coverage from $250,000 to $4 million per accountholder
- Money Smart Checking
- Junior Savers Club
- Platinum Adventures Club
Products and services
- Total Access Checking
Companies that use Naperville
Customer profileSegments3 records
Ideal customer profiles3 records
Naperville technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature5 records
Naperville partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- TrusteercorePartnership provides free fraud protection software to business customers to protect against malware infections and phishing attacks. This security tool helps protect business accounts from cyber threats.
- Elan Financial ServicescoreCredit card program partner where Elan Financial Services is the creditor and issuer of Wintrust credit cards pursuant to a license from Visa U.S.A. Inc. Elan provides zero fraud liability protection for unauthorized transactions.
- Money Smart (FDIC)supportingFDIC's Money Smart financial education curriculum is used by Wintrust to provide financial education classes for consumers, young adults, and small businesses. Wintrust offers Money Smart certified classes at various branch locations.
- AllpointsupportingATM network partnership providing customers with fee-free access to ATMs nationwide. Wintrust customers have no transaction charges at Allpoint network ATMs.
- MoneyPasssupportingATM network partnership for fee-free ATM access. Wintrust customers have no transaction charges at MoneyPass network ATMs.
- SUM NetworksupportingATM network partnership for fee-free ATM access. Wintrust customers have no transaction charges at SUM network ATMs.
- Early Warning Services (Zelle)corePartner for Zelle person-to-person payment service. Zelle enables fast, safe, and easy money transfers between bank accounts. Zelle and related marks are owned by Early Warning Services, LLC.
- Wintrust Mortgage (Barrington Bank & Trust)coreResidential lending provided through Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. NMLS #449042.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Naperville competitors and assessment
Company assessmentDirect peers
- Byline Bancorp: Chicago-headquartered community bank (NASDAQ: BY) offering commercial, small business, and personal banking across the greater Chicago metro — directly comparable in geography, business mix, and community-bank positioning to Naperville Bank & Trust.
- Wheaton Bank & Trust: A sister Wintrust Community Bank charter operating in Wheaton and Glen Ellyn with an identical product set (checking tiers, savings, HELOC, business banking) — the closest possible peer given shared ownership, shared platforms, and overlapping Chicago-suburban footprint.
- Hinsdale Bank & Trust: Another Wintrust Community Bank charter serving Chicago's western suburbs — comparable in charter size, product catalog, and customer segments, making it the most direct internal benchmark for Naperville's performance.
- Barrington Bank & Trust: Wintrust charter that houses Wintrust Mortgage, the residential lending division Naperville customers are routed to — comparable community-bank structure and shared Chicago-area deposit franchise.
- Inland Bancorp / Inland Bank: Chicago-area community bank focused on personal, small business, and mortgage lending in suburban Illinois — overlapping Naperville's suburban Chicago market with a similar community-bank model.
- First Bank of Highland Park: Independently owned community bank on Chicago's North Shore offering personal, business, and mortgage banking — a comparable size and community-bank value proposition in the broader Chicago metropolitan market.
Broad incumbents
- Old National Bank (post-First Midwest merger): Large Midwest regional bank holding company that absorbed First Midwest, giving it substantial Chicago presence — overlaps with Naperville in commercial, SMB, and consumer banking but operates at significantly greater scale.
- BMO Harris Bank: Major bank with deep Chicago/Midwest retail and commercial franchise — competes directly with Naperville for SMB deposits and consumer relationships, but offers a far broader product set including capital markets and institutional banking.
- Fifth Third Bank: Large Midwest-based regional bank with significant Chicago-area branch presence — comparable commercial and consumer product set but operates nationally, making it a scale benchmark rather than a community-bank peer.
- JPMorgan Chase (Chase Bank): The dominant U.S. retail and commercial bank with extensive Chicago footprint — the primary scale competitor Naperville positions against on personal checking, SMB banking, and digital experience.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Naperville social profiles
Digital presenceNaperville financial estimates
Financial estimateRevenue estimate
Valuation estimate
Naperville leadership team
Management profileNumber of profiles
Profiles6 records
Naperville subsidiaries and ownership
Company hierarchySubsidiaries2 records
Naperville funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Naperville M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Naperville
What does Naperville do?
Naperville Bank & Trust is a community bank providing a complete range of personal, small business, and commercial banking products and services through physical branches and digital channels. As one of 16 Wintrust community bank charters, it offers checking accounts, savings vehicles, mortgages, credit cards, HELOCs, SBA loans, cash management, and wealth management services to customers across greater Chicago and broader Midwest markets.
Is Naperville a public or private company?
Naperville is a private company. It is classified as corporate owned and is currently operating.
When was Naperville founded?
Naperville was founded in 1991. It employs 101 to 250 people.
Where is Naperville based?
Naperville is headquartered in Rosamond, United States, in the North America region.
How does Naperville make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are deposit Interest Expense, fee-based Services, credit Card Fees, wealth Management Services and treasury Management Services.
Who are Naperville's main competitors?
Direct peers on record are Byline Bancorp, Wheaton Bank & Trust, Hinsdale Bank & Trust, Barrington Bank & Trust, Inland Bancorp / Inland Bank and First Bank of Highland Park. Broad incumbents are Old National Bank (post-First Midwest merger), BMO Harris Bank, Fifth Third Bank and JPMorgan Chase (Chase Bank).
Does Naperville have an API?
No public API is recorded for Naperville.
What industry is Naperville in?
Naperville's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 522110 and its SIC code is 6022.