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Dec 31, 2025
Wintrust Q4 2025 Earnings Report
Wintrust reported record fourth-quarter profitability driven by strong balance sheet growth and stable margins.
Key Takeaways
Wintrust delivered record Q4 earnings with higher net income, solid revenue growth, and continued loan and deposit expansion supported by a stable net interest margin.
Record quarterly net income reflected strong core banking performance
Net interest income reached a quarterly high supported by asset growth
Loan and deposit balances both increased meaningfully during the quarter
Credit quality remained stable with low net charge-offs
Forward Guidance
Management expressed confidence in maintaining stable margins and achieving continued balance sheet growth in upcoming quarters.
Positive Outlook
- Stable net interest margin outlook
- Strong loan growth pipelines
- Continued deposit growth momentum
- Disciplined credit underwriting standards
- Solid capital and liquidity position
Challenges Ahead
- Uncertain macroeconomic environment
- Potential volatility in interest rates
- Pressure on loan yields
- Rising operating expenses
- Credit performance sensitive to economic conditions
Historical Earnings Impact
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Avg. Return Before/After Earnings
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