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Jun 30, 2025
Wintrust Q2 2025 Earnings Report
Wintrust reported record Q2 2025 results with strong loan and deposit growth.
Key Takeaways
Wintrust achieved record quarterly net income, driven by robust loan and deposit growth, stable net interest margin, and strong balance sheet expansion.
Record net income of $195.5M for Q2 2025.
Net interest income rose to $546.7M due to strong asset growth.
Loans grew by $2.3B and deposits increased by $2.2B.
Net interest margin remained stable at 3.52%.
Revenue by Segment
Forward Guidance
Management expects continued loan and deposit growth with stable net interest margin driving higher net interest income in Q3 2025.
Positive Outlook
- Stable net interest margin expected in Q3.
- Continued balance sheet growth anticipated.
- Loan growth projected in mid-to-high single digits.
- Strong deposit franchise to fund loan growth.
- Focus on disciplined expense control.
Challenges Ahead
- Macroeconomic uncertainty still present.
- Widening credit spreads affecting credit provisions.
- Seasonally higher marketing expenses expected.
- Credit opportunities remain under conservative standards.
- Non-interest income may fluctuate due to market conditions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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