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Wintrust Bank National Association

IDRSSD: 2239288
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #2239288 2024-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ 0
69
Sub-score

Liquidity is stable: brokered 6.4%, loans/deposits 96.3%, cash 4.0% of assets.

Cash / Assets
4.04%
Loans / Deposits
96.27%
Brokered %
6.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

StableQoQ -4
67
Sub-score

Capital position is stable: Tier 1 RBC 10.86%, CET1 10.86%, leverage 10.55%.

Tier 1 RBC
10.86%
CET1
10.86%
Leverage
10.55%
No watch items at this period.

Asset Quality

StrongQoQ -3
89
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.6%, NCO YTD 1.00%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
1.00%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
85
Sub-score

Reserves are strong: ALLL 1.05% of loans, coverage 214.8%, true coverage 182.7%.

ALLL / Loans
1.05%
Coverage
214.8%
True Loss Coverage
182.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:38:45 UTC