- Wintrust Financial Corporation (WTFC, Financial) posted record quarterly net income of $195.5 million in Q2 2025, achieving a 4.7% increase from the prior quarter.
- The company's total loans surged by $2.3 billion, representing a 19% annualized growth rate.
- Wintrust issued $425 million of Series F Preferred Stock in May 2025, enhancing its capital position.
Wintrust Financial Corporation (WTFC) has announced remarkable financial results for the second quarter of 2025, reporting a record net income of $195.5 million, equivalent to $2.78 per diluted share. This represents a 4.7% increase from the $189.0 million reported in Q1 2025, and a 13.2% improvement from the same period the previous year.
The firm achieved notable growth in its loan portfolio, with total loans increasing by $2.3 billion, reflecting a 19% annualized growth. Similarly, total deposits experienced a substantial uptick of $2.2 billion, or 17% on an annualized basis, resulting in a healthy loans-to-deposits ratio of 91.4%.
Net interest income, a core indicator of the banking sector's health, rose to $546.7 million, marking a growth of $20.2 million from the previous quarter. While the net interest margin slightly declined by 2 basis points compared to Q1 2025, it remained stable at 3.54% on a fully taxable-equivalent basis.
Wintrust's credit quality remains strong, with net charge-offs at an impressively low rate of 0.11% of average loans. Although non-performing loans saw a slight increase to 0.37% of total loans, the company's allowance for credit losses rose to $457.5 million, accounting for 1.37% of core loans.
The financial resilience of Wintrust was further bolstered by the successful issuance of $425 million of Series F Preferred Stock in May 2025. This strategic move has reinforced its capital structure, positioning the company for continued expansion and sustainable growth in upcoming quarters.
