Wintrust Financial Corporation posted record earnings for the second quarter of 2025, reporting net income of $195.5 million and $2.78 per diluted share, up from $189.0 million in Q1. For the first half of the year, net income reached an all-time high of $384.6 million.
Total loans grew by $2.3 billion—or 19% annualized—driven by broad-based portfolio expansion and strong seasonal performance in the company’s property and casualty insurance premium finance segment. Deposits increased by $2.2 billion, and total assets rose $3.1 billion during the quarter. Equipment finance leaders will note continued growth in capital leases, loans, and operating leases, totaling $4.3 billion across Wintrust’s leasing divisions.
Net interest income climbed to $546.7 million, supported by a stable net interest margin of 3.54% (fully taxable equivalent). CEO Timothy Crane attributed the strong results to “balance sheet growth and a stable net interest margin,” adding that loan pipelines remain strong heading into the second half of 2025.
Asset quality remained solid, with net charge-offs steady at 11 basis points of average total loans. The company’s allowance for credit losses increased to $457.5 million, reflecting portfolio growth and a cautious economic outlook.
Crane emphasized continued discipline: “We continue to be prudent in our review of credit opportunities, ensuring our loan growth adheres to our conservative credit standards.”
