WTFC Wintrust Financial (WTFC) Q2 FY26 earnings call
Wintrust reported its sixth consecutive record quarter of net income, driven by robust organic loan and deposit growth, which management attributes to its differentiated customer experience. Despite some competitive pressures on loan yields and a slight dip in net interest margin, the company maintained stable credit quality and well-managed expenses, leading to solid operating leverage. Management remains optimistic about continued growth and capital generation for the remainder of the year.
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WTFC operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Net interest margin | 3.56%The net interest margin was 3.56% for the first quarter and the 2 fewer days in the quarter positively impacted net interest margin by 2 basis points.Source: earnings call transcript | 3.52%The result was a margin of 3.52% for the second quarter of 2026 and has ranged from 3.50% to 3.59% during the last 10 quarters, showing the sustained stability of this metric.Source: earnings call transcript | 3.51%The improvement in net interest income was primarily the result of an increase of $2.1 billion in average earning assets, which was offset slightly by a 1 basis point decline in the net interest margin which was 3.51% for the third quarter.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 10.4%So we ended the quarter, CET1 at 10.4%, with substantial growth in the second quarter.Source: earnings call transcript | 10.4%Just to give everybody a background, the CET1 was 10.4% this quarter, and that's flat given obviously the very substantial growth in the balance sheet.Source: earnings call transcript | — | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.