{"url_path":"/sec/wtfcn/10-k/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-K","doc_date":"2026-02-26","source_url":"https://www.sec.gov/Archives/edgar/data/1015328/0001015328-26-000007-index.html","accession_number":"0001015328-26-000007","cik":"0001015328","ticker":"WTFC","issuer_name":"WINTRUST FINANCIAL CORP","edgar_url":"https://www.sec.gov/Archives/edgar/data/1015328/0001015328-26-000007-index.html","primary_entity_key":"0001015328","primary_entity_name":"WINTRUST FINANCIAL CORP"},"word_count":712,"has_tables":true,"body_markdown":"wtfc-20251231\nfalseFY20250001015328http://fasb.org/us-gaap/2025#AccountingStandardsUpdate201613MemberP2YP2YP7Yhttp://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://www.wintrust.com/20251231#RevenuesMortgageBankinghttp://www.wintrust.com/20251231#RevenuesMortgageBankinghttp://www.wintrust.com/20251231#RevenuesMortgageBanking601111http://fasb.org/us-gaap/2025#AccountsPayableAndOtherAccruedLiabilitieshttp://fasb.org/us-gaap/2025#AccountsPayableAndOtherAccruedLiabilitiesP3YP1Y0.0010.001iso4217:USDxbrli:sharesiso4217:USDxbrli:sharesxbrli:purewtfc:securityiso4217:CADwtfc:officeBuildingwtfc:trustwtfc:subsidiarywtfc:derivativeInstrumentwtfc:yearwtfc:segment00010153282025-01-012025-12-310001015328us-gaap:CommonStockMember2025-01-012025-12-310001015328wtfc:DepositarySharesSeriesFPreferredStockMember2025-01-012025-12-3100010153282025-06-3000010153282026-02-2400010153282025-12-3100010153282024-12-310001015328us-gaap:LoansAndFinanceReceivablesMember2025-12-310001015328us-gaap:LoansAndFinanceReceivablesMember2024-12-310001015328us-gaap:SeriesDPreferredStockMember2025-12-310001015328us-gaap:SeriesDPreferredStockMember2024-12-310001015328us-gaap:SeriesEPreferredStockMember2025-12-310001015328us-gaap:SeriesEPreferredStockMember2024-12-310001015328us-gaap:SeriesFPreferredStockMember2025-05-310001015328us-gaap:SeriesFPreferredStockMember2024-12-310001015328us-gaap:SeriesFPreferredStockMember2025-12-3100010153282024-01-012024-12-3100010153282023-01-012023-12-310001015328us-gaap:PreferredStockMember2022-12-310001015328us-gaap:CommonStockMember2022-12-310001015328us-gaap:AdditionalPaidInCapitalMember2022-12-310001015328us-gaap:TreasuryStockCommonMember2022-12-310001015328us-gaap:RetainedEarningsMember2022-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-12-3100010153282022-12-310001015328us-gaap:AccountingStandardsUpdate202202Member2022-01-012022-12-310001015328srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RetainedEarningsMember2022-12-310001015328srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2022-12-310001015328us-gaap:RetainedEarningsMember2023-01-012023-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-01-012023-12-310001015328us-gaap:SeriesDPreferredStockMember2023-01-012023-12-310001015328us-gaap:SeriesEPreferredStockMember2023-01-012023-12-310001015328us-gaap:AdditionalPaidInCapitalMember2023-01-012023-12-310001015328us-gaap:CommonStockMember2023-01-012023-12-310001015328us-gaap:TreasuryStockCommonMember2023-01-012023-12-310001015328us-gaap:PreferredStockMember2023-12-310001015328us-gaap:CommonStockMember2023-12-310001015328us-gaap:AdditionalPaidInCapitalMember2023-12-310001015328us-gaap:TreasuryStockCommonMember2023-12-310001015328us-gaap:RetainedEarningsMember2023-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-12-3100010153282023-12-310001015328us-gaap:RetainedEarningsMember2024-01-012024-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-12-310001015328us-gaap:SeriesDPreferredStockMember2024-01-012024-12-310001015328us-gaap:SeriesEPreferredStockMember2024-01-012024-12-310001015328us-gaap:AdditionalPaidInCapitalMember2024-01-012024-12-310001015328us-gaap:CommonStockMember2024-01-012024-12-310001015328us-gaap:TreasuryStockCommonMember2024-01-012024-12-310001015328us-gaap:PreferredStockMember2024-12-310001015328us-gaap:CommonStockMember2024-12-310001015328us-gaap:AdditionalPaidInCapitalMember2024-12-310001015328us-gaap:TreasuryStockCommonMember2024-12-310001015328us-gaap:RetainedEarningsMember2024-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-310001015328us-gaap:RetainedEarningsMember2025-01-012025-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-12-310001015328us-gaap:SeriesDPreferredStockMember2025-01-012025-12-310001015328us-gaap:SeriesEPreferredStockMember2025-01-012025-12-310001015328us-gaap:SeriesFPreferredStockMember2025-01-012025-12-310001015328us-gaap:PreferredStockMember2025-01-012025-12-310001015328us-gaap:AdditionalPaidInCapitalMember2025-01-012025-12-310001015328us-gaap:CommonStockMember2025-01-012025-12-310001015328us-gaap:TreasuryStockCommonMember2025-01-012025-12-310001015328us-gaap:PreferredStockMember2025-12-310001015328us-gaap:CommonStockMember2025-12-310001015328us-gaap:AdditionalPaidInCapitalMember2025-12-310001015328us-gaap:TreasuryStockCommonMember2025-12-310001015328us-gaap:RetainedEarningsMember2025-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-12-310001015328srt:MaximumMember2025-12-310001015328srt:MinimumMemberus-gaap:FurnitureAndFixturesMember2025-12-310001015328srt:MaximumMemberus-gaap:FurnitureAndFixturesMember2025-12-310001015328srt:MinimumMemberus-gaap:SoftwareAndSoftwareDevelopmentCostsMember2025-12-310001015328srt:MaximumMemberus-gaap:SoftwareAndSoftwareDevelopmentCostsMember2025-12-310001015328srt:MinimumMemberus-gaap:BuildingAndBuildingImprovementsMember2025-12-310001015328srt:MaximumMemberus-gaap:BuildingAndBuildingImprovementsMember2025-12-310001015328us-gaap:LandImprovementsMember2025-12-310001015328us-gaap:TrademarksMember2025-01-012025-12-310001015328srt:MinimumMember2025-01-012025-12-310001015328us-gaap:USTreasurySecuritiesMember2025-12-310001015328us-gaap:USTreasurySecuritiesMember2024-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2024-12-310001015328us-gaap:MunicipalBondsMember2025-12-310001015328us-gaap:MunicipalBondsMember2024-12-310001015328wtfc:CorporateFinancialDebtSecuritiesMember2025-12-310001015328wtfc:CorporateFinancialDebtSecuritiesMember2024-12-310001015328wtfc:CorporateOtherDebtSecuritiesMember2025-12-310001015328wtfc:CorporateOtherDebtSecuritiesMember2024-12-310001015328us-gaap:ResidentialMortgageBackedSecuritiesMember2025-12-310001015328us-gaap:ResidentialMortgageBackedSecuritiesMember2024-12-310001015328us-gaap:CommercialMortgageBackedSecuritiesMember2025-12-310001015328us-gaap:CommercialMortgageBackedSecuritiesMember2024-12-310001015328us-gaap:CollateralizedMortgageObligationsMember2025-12-310001015328us-gaap:CollateralizedMortgageObligationsMember2024-12-310001015328us-gaap:CorporateAndOtherMember2025-12-310001015328us-gaap:CorporateAndOtherMember2024-12-310001015328wtfc:MortgageBackedSecuritiesSubprimeMember2024-12-310001015328wtfc:MortgageBackedSecuritiesSubprimeMember2025-12-310001015328us-gaap:AssetBackedSecuritiesMember2025-12-310001015328us-gaap:AssetBackedSecuritiesMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PremiumFinanceReceivablesLifeInsuranceMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PremiumFinanceReceivablesLifeInsuranceMember2024-12-310001015328us-gaap:ConsumerPortfolioSegmentMember2025-12-310001015328us-gaap:ConsumerPortfolioSegmentMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2024-12-310001015328wtfc:FederalAgencyBorrowingsMember2025-12-310001015328wtfc:FederalAgencyBorrowingsMember2024-12-310001015328us-gaap:FederalHomeLoanBankAdvancesMember2025-12-310001015328us-gaap:FederalReserveBankAdvancesMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember2025-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001015328wtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:FinancingReceivables60To89DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001015328us-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001015328us-gaap:FinancialAssetNotPastDueMember2025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:LifeInsuranceLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember2024-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:EarlyBuyOutLoansMember2024-12-310001015328us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2024-12-310001015328us-gaap:FinancingReceivables60To89DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2024-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2024-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:EarlyBuyOutLoansMember2024-12-310001015328us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310001015328us-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310001015328us-gaap:FinancialAssetNotPastDueMember2024-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2025-12-310001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMember2025-12-310001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:NonConstructionPortfolioSegmentMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember2025-12-310001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:PremiumLifeInsurancePortfolioSegmentMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:PassMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001015328wtfc:EarlyBuyOutLoansMember2025-12-310001015328us-gaap:PassMember2025-12-310001015328us-gaap:SpecialMentionMember2025-12-310001015328us-gaap:SubstandardMember2025-12-310001015328us-gaap:DoubtfulMember2025-12-3100010153282025-10-012025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberwtfc:InternalInvestmentGrade5To7Member2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2025-12-310001015328us-gaap:MunicipalBondsMemberwtfc:InternalInvestmentGrade1To4Member2025-12-310001015328us-gaap:MunicipalBondsMemberwtfc:InternalInvestmentGrade5To7Member2025-12-310001015328us-gaap:MunicipalBondsMemberwtfc:InternalInvestmentGrade8To10Member2025-12-310001015328us-gaap:MortgageBackedSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2025-12-310001015328us-gaap:MortgageBackedSecuritiesMemberwtfc:InternalInvestmentGrade5To7Member2025-12-310001015328us-gaap:MortgageBackedSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2025-12-310001015328us-gaap:MortgageBackedSecuritiesMember2025-12-310001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2025-12-310001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade5To7Member2025-12-310001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2025-12-310001015328us-gaap:CorporateNoteSecuritiesMember2025-12-310001015328us-gaap:UnfundedLoanCommitmentMember2025-12-310001015328us-gaap:UnfundedLoanCommitmentMember2024-12-310001015328wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember2025-12-310001015328wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2025-01-012025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2025-01-012025-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMember2023-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2023-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2023-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2023-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2023-12-310001015328us-gaap:CommercialPortfolioSegmentMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2024-01-012024-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2024-01-012024-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2024-01-012024-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2024-01-012024-12-310001015328us-gaap:FinanceReceivablesMemberus-gaap:ResidentialRealEstateMember2025-12-310001015328us-gaap:FinanceReceivablesMemberus-gaap:ResidentialRealEstateMember2024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:InterestOnlyPaymentsMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:ExtendedMaturityMember2025-01-012025-12-310001015328us-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310001015328wtfc:InterestOnlyPaymentsMember2025-01-012025-12-310001015328us-gaap:PaymentDeferralMember2025-01-012025-12-310001015328wtfc:ExtendedMaturityAndContractualInterestRateReductionMember2025-01-012025-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328us-gaap:CommercialPortfolioSegmentMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberwtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberwtfc:ExtendedMaturityAndContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310001015328wtfc:InterestOnlyPaymentsMember2024-01-012024-12-310001015328us-gaap:PaymentDeferralMember2024-01-012024-12-310001015328wtfc:ExtendedMaturityAndContractualInterestRateReductionMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2025-01-012025-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2025-01-012025-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310001015328wtfc:MacatawaBankCorporationMemberwtfc:MacatawaBankCorporationMember2024-08-010001015328wtfc:MacatawaBankCorporationMember2024-08-012024-08-010001015328wtfc:MacatawaBankCorporationMember2024-08-010001015328wtfc:MacatawaBankCorporationMember2024-08-010001015328wtfc:CommunityBankingSegmentMember2024-12-310001015328wtfc:CommunityBankingSegmentMember2025-01-012025-12-310001015328wtfc:CommunityBankingSegmentMember2025-12-310001015328wtfc:SpecialtyFinanceSegmentMember2024-12-310001015328wtfc:SpecialtyFinanceSegmentMember2025-01-012025-12-310001015328wtfc:SpecialtyFinanceSegmentMember2025-12-310001015328wtfc:WealthManagementSegmentMember2024-12-310001015328wtfc:WealthManagementSegmentMember2025-01-012025-12-310001015328wtfc:WealthManagementSegmentMember2025-12-310001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingSegmentMember2025-12-310001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingSegmentMember2024-12-310001015328us-gaap:TrademarksMemberwtfc:CommunityBankingSegmentMember2025-12-310001015328us-gaap:TrademarksMemberwtfc:CommunityBankingSegmentMember2024-12-310001015328us-gaap:CustomerListsMemberwtfc:SpecialtyFinanceSegmentMember2025-12-310001015328us-gaap:CustomerListsMemberwtfc:SpecialtyFinanceSegmentMember2024-12-310001015328wtfc:CustomerListAndOtherIntangiblesMemberwtfc:WealthManagementSegmentMember2025-12-310001015328wtfc:CustomerListAndOtherIntangiblesMemberwtfc:WealthManagementSegmentMember2024-12-310001015328us-gaap:LandMember2025-12-310001015328us-gaap:LandMember2024-12-310001015328wtfc:BuildingsAndLeaseholdImprovemenetsMember2025-12-310001015328wtfc:BuildingsAndLeaseholdImprovemenetsMember2024-12-310001015328wtfc:FurnitureEquipmentAndComputerSoftwareMember2025-12-310001015328wtfc:FurnitureEquipmentAndComputerSoftwareMember2024-12-310001015328us-gaap:ConstructionInProgressMember2025-12-310001015328us-gaap:ConstructionInProgressMember2024-12-310001015328wtfc:FederalHomeLoanBankAdvance000Due2026Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance000Due2026Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance0.00Due2029Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance0.00Due2029Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance370Due2030Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance370Due2030Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance281Due2032Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance281Due2032Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance308Due2032Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance308Due2032Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.10Due2032Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.10Due2032Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance295Due2033Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance295Due2033Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance372Due2033Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance372Due2033Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.43Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.43Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.19Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.19Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.45Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.45Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.44Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.44Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.33Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.33Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.29Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.29Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance3.38Due2034Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance3.38Due2034Member2024-12-310001015328wtfc:FederalHomeLoanBankAdvance2.84Due2035Member2025-12-310001015328wtfc:FederalHomeLoanBankAdvance2.84Due2035Member2024-12-310001015328srt:WeightedAverageMember2025-12-310001015328wtfc:SubordinatedDebt485MaturingJune2029Memberus-gaap:SubordinatedDebtMember2019-12-310001015328wtfc:SubordinatedDebt485MaturingJune2029Member2019-01-012019-12-310001015328wtfc:SubordinatedDebt500MaturingJune2024Member2024-04-012024-06-300001015328wtfc:SubordinatedDebt500MaturingJune2024Memberus-gaap:SubordinatedDebtMember2024-06-3000010153282019-01-012019-12-3100010153282014-01-012014-12-310001015328us-gaap:SubordinatedDebtMember2025-12-310001015328wtfc:TermLoanFacilityMember2022-12-120001015328us-gaap:RevolvingCreditFacilityMember2022-12-120001015328us-gaap:BaseRateMemberwtfc:CreditAgreementMemberwtfc:BaseRateLoanMember2022-12-122022-12-120001015328us-gaap:FederalFundsEffectiveSwapRateMemberwtfc:CreditAgreementMemberwtfc:BaseRateLoanMember2022-12-122022-12-120001015328us-gaap:SecuredOvernightFinancingRateSofrMemberwtfc:CreditAgreementMemberwtfc:BaseRateLoanMember2022-12-122022-12-120001015328us-gaap:BaseRateMemberwtfc:CreditAgreementMemberwtfc:TermSOFRLoansMember2022-12-122022-12-120001015328us-gaap:RevolvingCreditFacilityMember2022-12-122022-12-120001015328wtfc:TermLoanFacilityMember2025-12-310001015328us-gaap:RevolvingCreditFacilityMember2025-12-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2014-12-012014-12-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2015-01-012025-12-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2025-12-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2024-12-310001015328wtfc:CanadianCommercialPaperRateMemberwtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2025-01-012025-12-310001015328us-gaap:SecuredDebtMember2025-12-310001015328us-gaap:SecuredDebtMember2024-12-310001015328wtfc:FixedRatePromissoryNoteMember2025-12-310001015328wtfc:FixedRatePromissoryNoteMember2024-12-310001015328wtfc:WintrustCapitalTrustThreeMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustCapitalTrustThreeMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustCapitalTrustThreeMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:WintrustStatutoryTrustFourMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustStatutoryTrustFourMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustStatutoryTrustFourMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:WintrustStatutoryTrustFiveMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustStatutoryTrustFiveMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustStatutoryTrustFiveMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:WintrustCapitalTrustSevenMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustCapitalTrustSevenMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustCapitalTrustSevenMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:WintrustCapitalTrustEightMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustCapitalTrustEightMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustCapitalTrustEightMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:WintrustCaptialTrustNineMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:WintrustCaptialTrustNineMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:WintrustCaptialTrustNineMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:NorthviewCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:NorthviewCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:NorthviewCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:TownBanksharesCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:TownBanksharesCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:TownBanksharesCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:FirstNorthwestCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:FirstNorthwestCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:FirstNorthwestCapitalTrustOneMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:SuburbanIllinoisCapitalTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:SuburbanIllinoisCapitalTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:SuburbanIllinoisCapitalTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328wtfc:CommunityFinancialSharesStatutoryTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2025-12-310001015328wtfc:CommunityFinancialSharesStatutoryTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:CommunityFinancialSharesStatutoryTrustTwoMemberus-gaap:JuniorSubordinatedDebtMember2025-01-012025-12-310001015328us-gaap:JuniorSubordinatedDebtMember2025-12-310001015328us-gaap:JuniorSubordinatedDebtMember2024-12-310001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2025-01-012025-12-310001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2024-01-012024-12-310001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2023-01-012023-12-310001015328wtfc:TrustRevenueMember2025-01-012025-12-310001015328wtfc:TrustRevenueMember2024-01-012024-12-310001015328wtfc:TrustRevenueMember2023-01-012023-12-310001015328wtfc:AssetManagementRevenueMember2025-01-012025-12-310001015328wtfc:AssetManagementRevenueMember2024-01-012024-12-310001015328wtfc:AssetManagementRevenueMember2023-01-012023-12-310001015328wtfc:WealthManagementMember2025-01-012025-12-310001015328wtfc:WealthManagementMember2024-01-012024-12-310001015328wtfc:WealthManagementMember2023-01-012023-12-310001015328wtfc:MortgageBrokerFeesMember2025-01-012025-12-310001015328wtfc:MortgageBrokerFeesMember2024-01-012024-12-310001015328wtfc:MortgageBrokerFeesMember2023-01-012023-12-310001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2025-01-012025-12-310001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2024-01-012024-12-310001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2023-01-012023-12-310001015328wtfc:AdministrativeServicesRevenueMember2025-01-012025-12-310001015328wtfc:AdministrativeServicesRevenueMember2024-01-012024-12-310001015328wtfc:AdministrativeServicesRevenueMember2023-01-012023-12-310001015328wtfc:CardRelatedFeeRevenueMember2025-01-012025-12-310001015328wtfc:CardRelatedFeeRevenueMember2024-01-012024-12-310001015328wtfc:CardRelatedFeeRevenueMember2023-01-012023-12-310001015328wtfc:OtherDepositRelatedFeeRevenueMember2025-01-012025-12-310001015328wtfc:OtherDepositRelatedFeeRevenueMember2024-01-012024-12-310001015328wtfc:OtherDepositRelatedFeeRevenueMember2023-01-012023-12-3100010153282026-01-012025-12-3100010153282027-01-012025-12-3100010153282028-01-012025-12-3100010153282029-01-012025-12-3100010153282030-01-012025-12-310001015328us-gaap:BuildingMember2025-01-012025-12-310001015328us-gaap:BuildingMember2024-01-012024-12-310001015328us-gaap:BuildingMember2023-01-012023-12-310001015328us-gaap:GeographicDistributionForeignMember2025-01-012025-12-310001015328us-gaap:GeographicDistributionForeignMember2024-01-012024-12-310001015328us-gaap:GeographicDistributionForeignMember2023-01-012023-12-310001015328us-gaap:DomesticCountryMember2025-12-310001015328stpr:IL2025-01-012025-12-310001015328stpr:IL2024-01-012024-12-310001015328stpr:IL2023-01-012023-12-310001015328us-gaap:StateAndLocalTaxJurisdictionOtherMember2025-01-012025-12-310001015328us-gaap:StateAndLocalTaxJurisdictionOtherMember2024-01-012024-12-310001015328us-gaap:StateAndLocalTaxJurisdictionOtherMember2023-01-012023-12-310001015328country:CA2025-01-012025-12-310001015328country:CA2024-01-012024-12-310001015328country:CA2023-01-012023-12-3100010153282022-05-310001015328srt:MinimumMemberus-gaap:EmployeeStockOptionMember2025-01-012025-12-310001015328srt:MaximumMemberus-gaap:EmployeeStockOptionMember2025-01-012025-12-310001015328us-gaap:EmployeeStockOptionMember2025-01-012025-12-310001015328srt:MinimumMemberus-gaap:RestrictedStockMember2025-01-012025-12-310001015328srt:MaximumMemberus-gaap:RestrictedStockMember2025-01-012025-12-310001015328us-gaap:PerformanceSharesMember2025-01-012025-12-310001015328srt:MinimumMemberwtfc:LTIPAwardsMember2025-01-012025-12-310001015328srt:MaximumMemberwtfc:LTIPAwardsMember2025-01-012025-12-3100010153282016-01-012025-12-310001015328us-gaap:RestrictedStockMember2024-12-310001015328us-gaap:RestrictedStockMember2023-12-310001015328us-gaap:RestrictedStockMember2022-12-310001015328us-gaap:RestrictedStockMember2025-01-012025-12-310001015328us-gaap:RestrictedStockMember2024-01-012024-12-310001015328us-gaap:RestrictedStockMember2023-01-012023-12-310001015328us-gaap:RestrictedStockMember2025-12-310001015328us-gaap:PerformanceSharesMember2024-12-310001015328us-gaap:PerformanceSharesMember2023-12-310001015328us-gaap:PerformanceSharesMember2022-12-310001015328us-gaap:PerformanceSharesMember2024-01-012024-12-310001015328us-gaap:PerformanceSharesMember2023-01-012023-12-310001015328us-gaap:PerformanceSharesMember2025-12-310001015328srt:MaximumMemberus-gaap:PerformanceSharesMember2025-12-310001015328wtfc:CashIncentiveAndRetentionPlanMember2025-01-012025-12-310001015328wtfc:CashIncentiveAndRetentionPlanMember2023-01-012023-12-310001015328wtfc:CashIncentiveAndRetentionPlanMember2024-01-012024-12-310001015328wtfc:CashIncentiveAndRetentionPlanMember2025-12-310001015328us-gaap:EmployeeStockMember2025-01-012025-12-310001015328us-gaap:EmployeeStockMember2024-01-012024-12-310001015328us-gaap:EmployeeStockMember2023-01-012023-12-310001015328us-gaap:EmployeeStockMember2021-01-012021-12-310001015328us-gaap:EmployeeStockMember2025-12-310001015328wtfc:DirectorsDeferredFeeAndStockPlanMember2020-01-012020-12-310001015328wtfc:DirectorsDeferredFeeAndStockPlanMember2025-01-012025-12-310001015328wtfc:DirectorsDeferredFeeAndStockPlanMember2024-01-012024-12-310001015328wtfc:DirectorsDeferredFeeAndStockPlanMember2023-01-012023-12-310001015328wtfc:DirectorsDeferredFeeAndStockPlanMember2025-12-310001015328wtfc:LakeForestBankMember2025-12-310001015328wtfc:LakeForestBankMember2024-12-310001015328wtfc:HinsdaleBankMember2025-12-310001015328wtfc:HinsdaleBankMember2024-12-310001015328wtfc:WintrustBankMember2025-12-310001015328wtfc:WintrustBankMember2024-12-310001015328wtfc:LibertyvilleBankMember2025-12-310001015328wtfc:LibertyvilleBankMember2024-12-310001015328wtfc:BarringtonBankMember2025-12-310001015328wtfc:BarringtonBankMember2024-12-310001015328wtfc:CrystalLakeBankMember2025-12-310001015328wtfc:CrystalLakeBankMember2024-12-310001015328wtfc:NorthbrookBankMember2025-12-310001015328wtfc:NorthbrookBankMember2024-12-310001015328wtfc:MacatawaBankCorporationMember2025-12-310001015328wtfc:MacatawaBankCorporationMember2024-12-310001015328wtfc:SchaumburgBankMember2025-12-310001015328wtfc:SchaumburgBankMember2024-12-310001015328wtfc:VillageBankMember2025-12-310001015328wtfc:VillageBankMember2024-12-310001015328wtfc:BeverlyBankMember2025-12-310001015328wtfc:BeverlyBankMember2024-12-310001015328wtfc:TownBankMember2025-12-310001015328wtfc:TownBankMember2024-12-310001015328wtfc:WheatonBankMember2025-12-310001015328wtfc:WheatonBankMember2024-12-310001015328wtfc:StateBankOfLakesMember2025-12-310001015328wtfc:StateBankOfLakesMember2024-12-310001015328wtfc:OldPlankTrailBankMember2025-12-310001015328wtfc:OldPlankTrailBankMember2024-12-310001015328wtfc:StCharlesBankMember2025-12-310001015328wtfc:StCharlesBankMember2024-12-310001015328wtfc:CommercialCommercialRealEstateAndConstructionLoansMemberus-gaap:CommitmentsToExtendCreditMember2025-12-310001015328wtfc:CommercialCommercialRealEstateAndConstructionLoansMemberus-gaap:CommitmentsToExtendCreditMember2024-12-310001015328us-gaap:HomeEquityLoanMemberus-gaap:CommitmentsToExtendCreditMember2025-12-310001015328us-gaap:HomeEquityLoanMemberus-gaap:CommitmentsToExtendCreditMember2024-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:CommitmentsToExtendCreditMember2025-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:CommitmentsToExtendCreditMember2024-12-310001015328wtfc:ForwardCommitmentsToSellMortgageLoansMember2025-12-310001015328wtfc:ForwardCommitmentsToSellMortgageLoansMember2024-12-310001015328us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2025-12-310001015328us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2024-12-310001015328us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMember2025-12-310001015328us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMember2024-12-310001015328us-gaap:DesignatedAsHedgingInstrumentMember2025-12-310001015328us-gaap:DesignatedAsHedgingInstrumentMember2024-12-310001015328us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2025-12-310001015328us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMember2025-12-310001015328us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMember2024-12-310001015328wtfc:ForwardCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2025-12-310001015328wtfc:ForwardCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:CommodityContractMemberus-gaap:NondesignatedMember2025-12-310001015328us-gaap:CommodityContractMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2025-12-310001015328us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:NondesignatedMember2025-12-310001015328us-gaap:NondesignatedMember2024-12-310001015328wtfc:FloorRateMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2025-12-310001015328wtfc:InterestRateCollarsMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2025-12-310001015328wtfc:InterestRateSwapsMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2025-12-310001015328us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-12-310001015328wtfc:InterestRateSwapTerminatedMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-03-310001015328wtfc:InterestRateSwapTerminatedMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-01-012022-03-310001015328wtfc:InterestRateSwapTerminatedMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-06-300001015328wtfc:InterestRateSwapTerminatedOriginalSwapMaturingMarch2023Memberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-06-300001015328wtfc:InterestRateSwapTerminatedOriginalSwapMaturingApril2024Memberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-06-300001015328wtfc:InterestRateCollarTerminatedMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-10-012022-12-310001015328wtfc:InterestRateCollarTerminatedMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-12-310001015328us-gaap:InterestRateContractMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-12-310001015328us-gaap:InterestRateContractMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-12-310001015328us-gaap:InterestRateContractMember2025-01-012025-12-310001015328us-gaap:InterestRateContractMember2024-01-012024-12-310001015328us-gaap:InterestRateContractMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-12-310001015328wtfc:InterestRateSwapTerminatedMember2025-01-012025-12-310001015328wtfc:InterestRateSwapAndCollarMember2025-01-012025-12-310001015328us-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMember2025-12-310001015328us-gaap:InterestRateSwapMemberus-gaap:LoansReceivableMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-12-310001015328us-gaap:InterestRateSwapMemberwtfc:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-12-310001015328us-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMemberwtfc:InterestAndFeeIncomeLoansAndLeasesMember2025-01-012025-12-310001015328wtfc:InterestRateContractQualifiedBorrowersMemberus-gaap:NondesignatedMember2025-12-310001015328wtfc:InterestRateContractQualifiedBorrowersMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:CallOptionMemberus-gaap:NondesignatedMember2024-12-310001015328us-gaap:CallOptionMemberus-gaap:NondesignatedMember2025-12-310001015328wtfc:MortgageBankingDerivativesMember2025-12-310001015328wtfc:MortgageBankingDerivativesMember2024-12-310001015328wtfc:InterestRateSwapsAndCapsMemberwtfc:TradingGainsLossesNetMember2025-01-012025-12-310001015328wtfc:InterestRateSwapsAndCapsMemberwtfc:TradingGainsLossesNetMember2024-01-012024-12-310001015328wtfc:MortgageBankingDerivativesMemberwtfc:MortgageBankingRevenueMember2025-01-012025-12-310001015328wtfc:MortgageBankingDerivativesMemberwtfc:MortgageBankingRevenueMember2024-01-012024-12-310001015328us-gaap:CommodityContractMemberwtfc:TradingGainsLossesNetMember2025-01-012025-12-310001015328us-gaap:CommodityContractMemberwtfc:TradingGainsLossesNetMember2024-01-012024-12-310001015328us-gaap:ForeignExchangeContractMemberwtfc:TradingGainsLossesNetMember2025-01-012025-12-310001015328us-gaap:ForeignExchangeContractMemberwtfc:TradingGainsLossesNetMember2024-01-012024-12-310001015328us-gaap:CallOptionMemberwtfc:FeesFromCoveredCallOptionsMember2025-01-012025-12-310001015328us-gaap:CallOptionMemberwtfc:FeesFromCoveredCallOptionsMember2024-01-012024-12-310001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2025-01-012025-12-310001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2024-01-012024-12-310001015328us-gaap:InterestRateContractMember2025-12-310001015328us-gaap:InterestRateContractMember2024-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328wtfc:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328wtfc:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328wtfc:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMember2025-12-310001015328wtfc:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:MaximumMember2025-12-310001015328wtfc:LoansHeldForInvestmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328wtfc:LoansHeldForInvestmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328srt:WeightedAverageMemberwtfc:LoansHeldForInvestmentMember2025-01-012025-12-310001015328wtfc:LoansHeldForInvestmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328wtfc:LoansHeldForInvestmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMember2025-12-310001015328wtfc:LoansHeldForInvestmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Membersrt:MaximumMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Membersrt:MaximumMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Membersrt:MaximumMember2025-12-310001015328wtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:USTreasurySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:FairValueMeasurementsRecurringMember2024-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310001015328us-gaap:NonperformingFinancingReceivableMember2025-12-310001015328us-gaap:NonperformingFinancingReceivableMember2024-12-310001015328wtfc:LoansHeldForSaleMember2024-12-310001015328wtfc:LoansHeldForInvestmentMember2024-12-310001015328wtfc:MortgageServicingRightsMember2024-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2024-12-310001015328us-gaap:MunicipalBondsMember2025-01-012025-12-310001015328wtfc:LoansHeldForSaleMember2025-01-012025-12-310001015328wtfc:LoansHeldForInvestmentMember2025-01-012025-12-310001015328wtfc:MortgageServicingRightsMember2025-01-012025-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2025-01-012025-12-310001015328wtfc:LoansHeldForSaleMember2025-12-310001015328wtfc:LoansHeldForInvestmentMember2025-12-310001015328wtfc:MortgageServicingRightsMember2025-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2025-12-310001015328us-gaap:MunicipalBondsMember2023-12-310001015328wtfc:LoansHeldForSaleMember2023-12-310001015328wtfc:LoansHeldForInvestmentMember2023-12-310001015328wtfc:MortgageServicingRightsMember2023-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2023-12-310001015328us-gaap:MunicipalBondsMember2024-01-012024-12-310001015328wtfc:LoansHeldForSaleMember2024-01-012024-12-310001015328wtfc:LoansHeldForInvestmentMember2024-01-012024-12-310001015328wtfc:MortgageServicingRightsMember2024-01-012024-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2024-01-012024-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:FairValueInputsLevel3Member2025-12-310001015328us-gaap:PortionAtOtherThanFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2025-12-310001015328wtfc:OtherRealEstateOwnedMemberus-gaap:MeasurementInputDiscountForLackOfMarketabilityMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputDiscountRateMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputConstantPrepaymentRateMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputExpectedTermMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputExpectedTermMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputExpectedTermMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMember2025-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MaximumMember2025-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:CostApproachValuationTechniqueMemberus-gaap:MeasurementInputDiscountForLackOfMarketabilityMember2025-12-310001015328us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputDiscountForLackOfMarketabilityMemberus-gaap:FairValueInputsLevel3Memberus-gaap:CostApproachValuationTechniqueMembersrt:WeightedAverageMember2025-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMember2025-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMember2024-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2025-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2025-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2024-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2024-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2025-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2025-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2024-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2024-12-310001015328us-gaap:SeriesDPreferredStockMember2025-07-152025-07-150001015328us-gaap:SeriesDPreferredStockMember2025-07-150001015328us-gaap:SeriesEPreferredStockMember2025-07-152025-07-150001015328wtfc:DepositarySharesSeriesEPreferredStockMember2025-07-152025-07-150001015328us-gaap:SeriesEPreferredStockMember2025-07-150001015328wtfc:DepositarySharesSeriesEPreferredStockMember2025-07-150001015328us-gaap:SeriesEPreferredStockMember2025-05-012025-05-310001015328wtfc:DepositarySharesSeriesEPreferredStockMember2025-05-012025-05-310001015328wtfc:O2026Q1DividendsMemberus-gaap:SubsequentEventMember2026-01-012026-01-310001015328wtfc:O2026ADividendsMemberus-gaap:SubsequentEventMember2026-01-012026-01-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2024-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-01-012025-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-01-012025-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2025-01-012025-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2025-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2023-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-01-012024-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-01-012024-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2024-01-012024-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2022-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-01-012023-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-01-012023-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2023-01-012023-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-01-012025-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-01-012024-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-01-012023-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-01-012025-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-01-012024-12-310001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-01-012023-12-310001015328wtfc:DepositarySharesSeriesEPreferredStockMember2020-05-310001015328wtfc:DepositarySharesSeriesFPreferredStockMember2025-05-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2025-01-012025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2025-01-012025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2025-01-012025-12-310001015328us-gaap:OperatingSegmentsMember2025-01-012025-12-310001015328us-gaap:IntersegmentEliminationMember2025-01-012025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2025-12-310001015328us-gaap:OperatingSegmentsMember2025-12-310001015328us-gaap:IntersegmentEliminationMember2025-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2024-01-012024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2024-01-012024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2024-01-012024-12-310001015328us-gaap:OperatingSegmentsMember2024-01-012024-12-310001015328us-gaap:IntersegmentEliminationMember2024-01-012024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2024-12-310001015328us-gaap:OperatingSegmentsMember2024-12-310001015328us-gaap:IntersegmentEliminationMember2024-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2023-01-012023-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2023-01-012023-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2023-01-012023-12-310001015328us-gaap:OperatingSegmentsMember2023-01-012023-12-310001015328us-gaap:IntersegmentEliminationMember2023-01-012023-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:CommunityBankingSegmentMember2023-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:SpecialtyFinanceSegmentMember2023-12-310001015328us-gaap:OperatingSegmentsMemberwtfc:WealthManagementSegmentMember2023-12-310001015328us-gaap:OperatingSegmentsMember2023-12-310001015328us-gaap:IntersegmentEliminationMember2023-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2025-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2024-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2025-01-012025-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2024-01-012024-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2023-01-012023-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2023-12-310001015328srt:ReportableLegalEntitiesMembersrt:ParentCompanyMember2022-12-31\n\nUNITED STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\nFORM 10-K\n\n☑Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934\n\nFor the fiscal year ended December 31, 2025\n\n☐Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934\n\nFor the Transition Period from to\n\nCommission File Number 001-35077\n\nWintrust Financial Corporation\n\n(Exact name of registrant as specified in its charter)\n\nIllinois 36-3873352\n\n(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)\n\n9700 W. Higgins Road, Suite 800\n\nRosemont, Illinois 60018\n\n(Address of principal executive offices)\n\nRegistrant’s telephone number, including area code: (847) 939-9000\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered\n\nCommon Stock, no par valueWTFCThe Nasdaq Global Select Market\n\nDepositary Shares, Each Representing a 1/1,000th Interest in a Share of\nWTFCNThe Nasdaq Global Select Market\n\n7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value\n\nSecurities registered pursuant to Section 12(g) of the Act:\n\nNone\n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. þ Yes ¨ No\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. ¨ Yes þ No\n\nIndicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. þ Yes ¨ No\n\nIndicate by check mark whether the registrant has submitted electronically, every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). þ Yes ¨ No\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and \"emerging growth company\" in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer☑Accelerated filer☐Non-Accelerated filer☐\n\nSmaller reporting company☐Emerging growth company☐\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal controls over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. þ Yes ¨ No\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ¨ Yes ¨ No\n\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ¨ Yes ¨ No\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ☐ Yes ☑ No\n\nThe aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant on June 30, 2025 (the last business day of the registrant’s most recently completed second quarter), determined using the closing price of the common stock on that day of $123.98, as reported by the Nasdaq Global Select Market, was $8,232,734,235.\n\nAs of February 24, 2026, the registrant had 67,270,487 shares of common stock outstanding.\n\nDOCUMENTS INCORPORATED BY REFERENCE\n\nPortions of the Proxy Statement for the Company’s Annual Meeting of Shareholders to be held on May 28, 2026 are incorporated by reference into Part III.\n\nTABLE OF CONTENTS\n\n \n\n  Page\n\nPART I"}