**Wintrust Financial Corporation Reports Strong Financial Performance in 2025**

Wintrust Financial Corporation (WTFC), a financial holding company based in Rosemont, Illinois, reported a net income of $823.8 million for the year ended December 31, 2025, compared to $695.0 million for the same period in 2024, representing a 19% increase. The company's net revenue also saw an increase, reaching $2.73 billion in 2025, up from $2.45 billion in 2024. This growth was primarily driven by an increase in net interest income, which rose to $2.22 billion in 2025 from $1.96 billion in the previous year, reflecting a 13% increase. The company's diluted earnings per common share increased to $11.40, compared to $10.31 in 2024.

The company's financial performance was supported by significant growth in its loan portfolio, which increased to $53.1 billion at the end of 2025, up from $48.1 billion at the end of 2024. This growth was observed across all major loan portfolios. The net interest margin remained relatively stable at 3.52% in 2025, compared to 3.51% in 2024. Non-interest income also contributed to the company's revenue, totaling $501.9 million in 2025, an increase of 3% compared to $488.3 million in 2024. This increase was primarily due to higher service charges on deposit accounts, gains on investment securities, and fees from covered call options.

Operationally, Wintrust continued to focus on strategic growth and expense management. Non-interest expense increased to $1.51 billion in 2025, up from $1.40 billion in 2024, primarily due to higher salary and employee benefits expenses, as well as increased software and equipment expenses. The company also continued to invest in its technology infrastructure to enhance digital and other product offerings. Wintrust opened two new branch locations in the Chicago metropolitan area and three new branch locations in southern Wisconsin, while closing one branch location in west Michigan. As of December 31, 2025, the company employed 5,902 full-time equivalent employees.

Looking ahead, Wintrust plans to continue leveraging its internal loan pipeline and external growth opportunities to increase net interest income. The company also intends to continue diversifying its loan portfolio by adding product and geographic diversification, and to grow its deposit franchise in a diversified manner to be the company’s primary funding source. Wintrust will continue to focus on cost control and leveraging its infrastructure to create operating leverage. The company's Board of Directors approved a quarterly cash dividend of $0.55 per share of outstanding common stock, payable on February 19, 2026, to shareholders of record as of February 5, 2026.

About WINTRUST FINANCIAL CORP

Wintrust Financial Corporation is a community-focused financial holding company providing personal and commercial banking, mortgage origination, specialty finance, and wealth management services primarily in the Chicago area, Wisconsin, Indiana, and Michigan. It operates through multiple subsidiaries, offering a broad range of banking products, loan and lease financing, and asset management solutions. The company emphasizes personalized service, local decision-making, and diversified revenue streams within a heavily regulated banking environment.

This description was generated via AI from an annual report. Updated 9 months ago.

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