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Wintrust Financial (WTFC) investor relations material
Wintrust Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Q2 2025 net income reached $195.5 million, up $6.5 million sequentially and 28% year-over-year, with year-to-date net income at $384.6 million, up 13% year-over-year.
Strong loan and deposit growth: loans up $2.3 billion and deposits up $2.2 billion sequentially; year-over-year, loans grew 14% to $51.0 billion and deposits 16% to $55.8 billion.
Tangible book value per share increased to $81.86, continuing an unbroken annual rise since 1996.
Diversified business model, stable net interest margin, and strong credit quality supported robust financial performance.
The Macatawa Bank acquisition contributed to asset and deposit growth and increased non-interest expense.
Financial highlights
Net interest income for Q2 2025 was $546.7 million, up $20.2 million sequentially and 16% year-over-year; year-to-date net interest income was $1.1 billion, up 15% year-over-year.
Net interest margin was 3.52% (3.54% fully taxable-equivalent, non-GAAP), stable and within target range.
Non-interest income for Q2 2025 totaled $124.1 million, up $7.5 million sequentially and 2% year-over-year, with higher wealth management and mortgage banking revenues.
Non-interest expense for Q2 2025 was $381.5 million, up $15.4 million sequentially and 12% year-over-year, mainly due to higher salaries, benefits, and acquisition-related costs.
Diluted EPS for Q2 2025 was $2.78, up $0.09 sequentially and from $2.32 in Q2 2024; year-to-date diluted EPS was $5.47, up 5% year-over-year.
Outlook and guidance
Management expects stable net interest margin and continued balance sheet growth to drive higher net interest income in Q3 2025.
Loan growth is anticipated in the mid- to high-single digits for the second half of 2025, supported by strong pipelines.
Deposit growth is expected to continue, supporting loan growth.
Non-interest expenses are expected to remain in the low $380 million range for Q3 and Q4.
The company remains focused on disciplined expense control, conservative credit standards, and maintaining capital above regulatory standards.
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