# Wintrust Q3 2026 Earnings Report

> Wintrust reports seventh straight record quarterly net income with 8% loan and deposit growth.
- Title: Wintrust Q3 2026 Earnings Report · The Motley Fool | Shortify
- Summary: Wintrust reports seventh straight record quarterly net income with 8% loan and deposit growth. Wintrust Financial Corporation reported seventh consecutive…
- Keywords: wintrust, wtfc, q3 2026, earnings call, net income, loan growth, deposit growth, net interest margin, commercial real estate, finance, money, 2026
- Source: The Motley Fool — https://fool.com/earnings/call-transcripts/2026/10/20/wintrust-wtfc-q3-2026-earnings-call-transcript
- Author: Motley Fool Transcribing
- Published: 2026-10-20T17:07:52+00:00
- Read time: 1 min
- Topics: wintrust, wtfc, q3 2026, earnings call, net income, loan growth, deposit growth, net interest margin, commercial real estate, finance, money
## Net Income
Wintrust reported $239.1 million net income, the seventh consecutive record quarterly result.
## Loan Growth
Loans grew $1.1 billion annually at 8% rate across all major portfolios.
## Deposit Growth
Deposits increased $1.3 billion annually at 8% rate from diverse customer base.
## Net Interest Margin
Net interest margin declined 1 basis point to 3.51% on fully taxable-equivalent basis.
## Illinois Deposit Share
Wintrust gained 9.2% Illinois deposit market share year over year, double state average growth.
## Commercial Real Estate
Commercial real estate loans grew $690 million with new lending opportunities and committed loans.
## Wealth Management
Wealth management revenue increased $1.1 million to $41.0 million from second quarter.
## Mortgage Banking
Mortgage banking revenue declined $1.9 million to $25.5 million from second quarter.
## Noninterest Expense
Noninterest expense increased $8.1 million to $405.7 million from previous quarter.
## Credit Losses
Provision for credit losses increased $2.8 million to $25.9 million from second quarter.
## Nonperforming Loans
Nonperforming loans decreased to $176.9 million or 0.31% of total loans.
## Net Charge-offs
Net charge-offs increased 5 basis points annualized to $21.0 million.
## Capital Ratio
Common equity tier 1 capital ratio increased to 10.5% from 10.4% in previous quarter.
## Total Assets
Total assets increased $1.3 billion to $76.0 billion during third quarter.
## Acquisition Impact
Acquisition added $1.2 billion in assets under management through September 1 closing.
## Debt Redemptions
Debt redemptions planned for fourth quarter to retire $108 million of floating rate debentures.
## Key takeaway

Wintrust Financial Corporation reported seventh consecutive quarter of record net income, driven by 8% annualized loan and deposit growth.