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Condensed Parent Company Financial Statements | 12 Months Ended
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Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract] |
Condensed Parent Company Financial Statements | Condensed Parent Company Financial Statements Condensed parent company only financial statements of Wintrust follow: Statements of Financial Condition
|  | December 31,
(In thousands) |  | 2025 |  | 2024
Assets |  |  |  |
Cash |  | $ | 281,521 |  |  | $ | 196,969 |
Available-for-sale debt securities and equity securities with readily determinable fair value |  | 19,354 |  |  | 16,240 |
Investment in and receivable from subsidiaries |  | 7,399,171 |  |  | 6,674,426 |
Goodwill |  | 8,371 |  |  | 8,371 |
Other assets |  | 348,745 |  |  | 371,284 |
Total assets |  | $ | 8,057,162 |  |  | $ | 7,267,290 |
Liabilities and Shareholders’ Equity |  |  |  |
Other liabilities |  | $ | 190,386 |  |  | $ | 171,275 |
Subordinated notes |  | 298,636 |  |  | 298,283 |
Other borrowings |  | 55,859 |  |  | 199,869 |
Junior subordinated debentures |  | 253,566 |  |  | 253,566 |
Shareholders’ equity |  | 7,258,715 |  |  | 6,344,297 |
Total liabilities and shareholders’ equity |  | $ | 8,057,162 |  |  | $ | 7,267,290 |
Statements of Income
|  | Years Ended December 31,
(In thousands) |  | 2025 |  | 2024 |  | 2023
Income |  |  |  |  |  |
Dividends and other revenue from subsidiaries |  | $ | 661,436 |  |  | $ | 548,232 |  |  | $ | 433,784 |
Other income (losses) |  | 4,198 |  |  | (1,781) |  |  | 1,729 |
Total income |  | $ | 665,634 |  |  | $ | 546,451 |  |  | $ | 435,513 |
Expenses |  |  |  |  |  |
Interest expense |  | $ | 41,911 |  |  | $ | 49,306 |  |  | $ | 53,612 |
Salaries and employee benefits |  | 188,657 |  |  | 159,725 |  |  | 145,011 |
Other expenses |  | 188,920 |  |  | 182,255 |  |  | 160,259 |
Total expenses |  | $ | 419,488 |  |  | $ | 391,286 |  |  | $ | 358,882 |
Income before income taxes and equity in undistributed income of subsidiaries |  | $ | 246,146 |  |  | $ | 155,165 |  |  | $ | 76,631 |
Income tax benefit |  | 89,010 |  |  | 79,684 |  |  | 72,260 |
Income before equity in undistributed net income of subsidiaries |  | $ | 335,156 |  |  | $ | 234,849 |  |  | $ | 148,891 |
Equity in undistributed net income of subsidiaries |  | 488,688 |  |  | 460,196 |  |  | 473,735 |
Net income |  | $ | 823,844 |  |  | $ | 695,045 |  |  | $ | 622,626 |
Statements of Cash Flows
|  | Years Ended December 31,
(In thousands) |  | 2025 |  | 2024 |  | 2023
Operating Activities: |  |  |  |  |  |
Net income |  | $ | 823,844 |  |  | $ | 695,045 |  |  | $ | 622,626 |
Adjustments to reconcile net income to net cash provided by operating activities |  |  |  |  |  |
(Losses) gains on available-for-sale debt securities and equity securities with readily determinable fair value, net |  | (2,442) |  |  | 913 |  |  | (442) |
Depreciation and amortization |  | 38,933 |  |  | 35,627 |  |  | 25,840 |
Deferred income tax benefit (expense) |  | 6,203 |  |  | (9,449) |  |  | (6,176) |
Stock-based compensation expense |  | 17,772 |  |  | 16,401 |  |  | 14,154 |
Decrease (increase) in other assets |  | 21,987 |  |  | (3,862) |  |  | (3,978) |
Increase (decrease) in other liabilities |  | 12,892 |  |  | 8,802 |  |  | (6,059) |
Equity in undistributed net income of subsidiaries |  | (488,688) |  |  | (460,196) |  |  | (473,735) |
Net Cash Provided by Operating activities |  | $ | 430,501 |  |  | $ | 283,281 |  |  | $ | 172,230 |
Investing Activities: |  |  |  |  |  |
Net cash paid in business combination |  | $ | — |  |  | $ | (38) |  |  | $ | — |
Other investing activity, net |  | (39,546) |  |  | (37,764) |  |  | (25,965) |
Net Cash Used for Investing Activities |  | $ | (39,546) |  |  | $ | (37,802) |  |  | $ | (25,965) |
Financing Activities: |  |  |  |  |  |
Decrease in other borrowings and junior subordinated debentures, net |  | $ | (142,845) |  |  | $ | (30,668) |  |  | $ | (30,641) |
Repayment of subordinated note |  | — |  |  | (140,000) |  |  | — |
Proceeds from issuance of Series F Preferred Stock, net |  | 414,148 |  |  | — |  |  | — |
Redemption of Series D and Series E Preferred Stock, net |  | (412,500) |  |  | — |  |  | — |
Issuance of common shares resulting from exercise of stock options, employee stock purchase plan and director compensation plan |  | 7,220 |  |  | 6,694 |  |  | 8,309 |
Dividends paid |  | (169,423) |  |  | (143,280) |  |  | (125,690) |
Common stock repurchases for tax withholdings related to stock-based compensation |  | (3,003) |  |  | (3,936) |  |  | (1,913) |
Net Cash Used for Financing activities |  | $ | (306,403) |  |  | $ | (311,190) |  |  | $ | (149,935) |
Net Increase (Decrease) in Cash and Cash Equivalents |  | $ | 84,552 |  |  | $ | (65,711) |  |  | $ | (3,670) |
Cash and Cash Equivalents at Beginning of Year |  | 196,969 |  |  | 262,680 |  |  | 266,350 |
Cash and Cash Equivalents at End of Year |  | $ | 281,521 |  |  | $ | 196,969 |  |  | $ | 262,680 |

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- Definition The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 235 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 235 -SubTopic 10 -Name Accounting Standards Codification -Section S50 -Paragraph 4 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480738/235-10-S50-4 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 235 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 3 -Subparagraph (SX 210.12-04(a)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3 Reference 4: http://www.xbrl.org/2003/role/recommendedDisclosureRef -Topic 810 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481231/810-10-45-11 + Details
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