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Get filing alertsWintrust Financial posts record Q3 net income of $239.1M, EPS $3.37
Filed October 19, 2026 · Period ending October 19, 2026 · ~1 min read
Key Changes
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Record Q3 net income of $239.1M, or $3.37 diluted EPS, up from $233.7M and $3.30 in Q2 2026.
Item 2.02 verify on EDGAR → -
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Nine-month net income reached a record $700.1M, or $9.89 diluted EPS, up 17% from $600.8M a year ago.
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Net interest income rose to $621.6M, up $24.2M sequentially; net interest margin held at 3.51%.
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Loans grew $1.1B (8% annualized) and deposits grew $1.3B (8% annualized) in Q3; year-over-year loan growth was 9%.
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Net charge-offs increased to $21.0M (15 bps annualized) from $13.4M (10 bps) in Q2; non-performing loans stable at 0.31% of total loans.
Item 2.02 verify on EDGAR →
Summary
Wintrust Financial reported record third-quarter 2026 earnings, with net income of $239.1 million, or $3.37 per diluted share, up from $233.7 million, or $3.30 per share, in the second quarter. For the first nine months of 2026, net income reached a record $700.1 million, or $9.89 per diluted share, a 17% increase from the same period in 2025.
Net interest income grew to $621.6 million, and the net interest margin held steady at 3.51%. Balance sheet growth remained strong, with loans and deposits each increasing at an 8% annualized pace during the quarter. Credit quality showed a modest uptick in net charge-offs, which rose to $21.0 million, or 15 basis points of average loans annualized, from $13.4 million, or 10 basis points, in the prior quarter.
Non-performing loans remained low at 0.31% of total loans, and the allowance for credit losses increased to $486.1 million. The company posted its earnings release and presentation on its website, with supplemental non-GAAP reconciliations included in the exhibits.
Section-by-Section Diff
Event · Item 2.02 — Results of Operations and Financial Condition
Wintrust Financial announced Q3 2026 earnings and posted its earnings release and presentation on its website.
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On October 19, 2026, Wintrust Financial Corporation (the “Company”) announced earnings for the third quarter of 2026 and posted on its website the Third Quarter 2026 Earnings Release Presentation.
The company announced its third quarter 2026 earnings results and made the earnings release and presentation available on its website. The press release and presentation are attached as exhibits to the 8-K.
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Certain supplemental information relating to non-GAAP financial measures reported in the attached press release and presentation is included on pages 33 through 35 of Exhibit 99.1 and pages 29 through 32 of Exhibit 99.2.
The filing notes that supplemental information about non-GAAP financial measures is included in specific pages of the attached exhibits. This is relevant for investors who want to understand the reconciliation of non-GAAP metrics to GAAP.
Event · Exhibit 99.1
Added in current filing · view on EDGAR →
Total loans increased by $1.1 billion, or 8% annualized.
•Total deposits increased by $1.3 billion, or 8% annualized.
•Total assets increased by $1.3 billion, or 7% annualized.
Loans, deposits, and total assets all grew sequentially at annualized rates of 8%, 8%, and 7%, respectively. The loans-to-deposits ratio ended the quarter at 91.0%.
Event · Exhibit 99.2
Wintrust reports record Q3 2026 net income of $239.1M and 9% YoY loan growth, with stable credit quality.
Added in current filing · view on EDGAR →
Total loans increased by approximately $4.7 billion, or 9% compared to September 30, 2025, and was driven by robust growth across all major loan portfolios
Total loans grew approximately $4.7 billion, or 9%, year-over-year to $56.8 billion, driven by growth across all major loan categories. Third-quarter loan growth was $1.1 billion, or 8% annualized.
Added in current filing · view on EDGAR →
Total deposits increased by approximately $5.7 billion, or 10% compared to September 30, 2025, and was driven by our diversified deposit product offerings
Total deposits grew approximately $5.7 billion, or 10%, year-over-year to $62.4 billion. Third-quarter deposit growth was $1.3 billion, or 8% annualized, reflecting strong organic growth and market share gains.
Added in current filing · view on EDGAR →
Non-performing loans totaled $176.9 million and comprised 0.31% of total loans at September 30, 2026
Non-performing loans remained low at $176.9 million, or 0.31% of total loans, and net charge-offs were 15 basis points of average total loans on an annualized basis in Q3 2026. The allowance for credit losses on total core loans was 1.22%.
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Figures/quotes linked to EDGAR · Narrative written by AI · Oct 20, 2026 · How we verify