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Call sheet · Q3'26

Wintrust Financial (WTFC)

Q3'26 earnings call · held October 20, 2026 · compared with the Q2'26 call · management-credibility review
8/12
Disclosure score
1 medium, 2 low flags
Financial quality
Bottom line
Wintrust's record quarterly income came with slower balance growth and a largely stable fully taxable-equivalent margin. Each 8% annualized growth rate was broadly consistent with the prior outlook, rather than a blended measure concealing results. Fee income and credit losses deserve follow-up, but the office portfolio remains disclosed in the SEC presentation. Assess acquisition returns from actual earnings, not AUM alone.

The 30-second version

  • Growth slowed, but remained within the stated range
  • Higher earning assets supported record quarterly income
  • Office exposure is disclosed, and the credit mix matters

What changed this quarter

MetricQ2'26Q3'26Change
Net Income$233.7M$239M+2.3% QoQ, 7th straight record quarter
Net Interest Income+$18.3M QoQ improvement+$24.2M QoQ to $621.6MAccelerating $ growth, driven by $2.1B more earning assets
Net interest margin (fully taxable-equivalent, non-GAAP)3.52%3.51%Down 1bp sequentially; reported Q3 margin was 3.49%
Loan growth (QoQ annualized)12% / $1.6BAbout 8% annualized / $1.1BSlower than Q2; within the prior outlook
Deposit growth (QoQ annualized)15% / $2.2BAbout 8% annualized / $1.3BSlower than Q2; within the prior outlook
YoY total loan growth9% / $4.6B9% / $4.7BFlat, long-run trend intact
Provision for credit losses$20-30M range, 6th consecutive quarter$20-30M range, 7th consecutive quarterStable, no deterioration signal
Non-interest income$141.3M$136.3M-3.5%, mortgage and securities drag
Non-interest expense$397.5M$405.7MApproximately 2.1% higher sequentially; close to the approximately $405M guide
Non-performing loans (% of total)0.32%0.31%Marginal improvement

Accountability tracked

4 new promises made1 narrative shift flagged6 prior promises scored
Inside the full report
The complete write-up covers the full promise ledger with kept/missed calls, disclosure-quality scoring, the metrics-vanished check, verification items, and the questions to ask next quarter.
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Scores, kept-promise rates, and flags on this site reflect the author's opinion, applying a stated methodology to statements management made on public earnings calls. Informational and educational purposes only - not investment advice, a recommendation, or an offer to buy or sell any security. Sources believed reliable but not guaranteed; the author may hold positions in the securities discussed.

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