Naperville

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.

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

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

• Community banking services
• Personal banking products
• Small business lending
• Commercial banking services
• Wealth management services

Headquarters

HQ city

Rosamond

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including mortgages, commercial lending, home equity lines of credit, personal loans, and small business loans
2. Deposit Interest Expense: Bank pays interest on checking, savings, money market, and CD accounts to depositors
3. Fee-based Services: Account maintenance fees, ATM fees, wire transfer fees, overdraft fees, safe deposit box rental, and other banking service charges
4. Credit Card Fees: Revenue sharing from credit card program operated in partnership with Elan Financial Services
5. Wealth Management Services: Asset management fees, investment advisory services, trust services, and estate planning
6. Treasury Management Services: Cash management, merchant processing, and commercial banking services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• TrusteercoreTechnology or IntegrationPartnership 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 ServicescoreTechnology or IntegrationCredit 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)supportingStrategic or Co-development PartnerFDIC'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.
• AllpointsupportingTechnology or IntegrationATM network partnership providing customers with fee-free access to ATMs nationwide. Wintrust customers have no transaction charges at Allpoint network ATMs.
• MoneyPasssupportingTechnology or IntegrationATM network partnership for fee-free ATM access. Wintrust customers have no transaction charges at MoneyPass network ATMs.
• SUM NetworksupportingTechnology or IntegrationATM network partnership for fee-free ATM access. Wintrust customers have no transaction charges at SUM network ATMs.
• Early Warning Services (Zelle)coreTechnology or IntegrationPartner 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)coreTechnology or IntegrationResidential 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

Direct 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

• Facebookfacebook.com/NapervilleBank

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Naperville