WTFC Wintrust (WTFC) Q3 FY26 earnings call
Wintrust delivered another quarter of record net income, fueled by robust loan and deposit growth and a stable net interest margin. The company continues to gain market share in its core regions, leveraging its relationship-based model and strategic branch expansion. Management remains focused on disciplined growth and capital deployment, anticipating continued momentum into 2027 despite a competitive environment.
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WTFC operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call 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.