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Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Compliance with Minimum Capital Requirements

As reflected in the following table, the Company met all minimum capital requirements at December 31, 2025 and 2024:

						2025						2024
Total capital to risk weighted assets						12.4		%				12.3		%
Tier 1 capital to risk weighted assets						11.0						10.7
Common Equity Tier 1 capital to risk weighted assets						10.3						9.9
Tier 1 Leverage Ratio						9.6						9.4

Schedule of Actual Capital Amounts and Ratios

The banks’ actual capital amounts and ratios as of December 31, 2025 and 2024 are presented in the following table:

						December 31, 2025																								December 31, 2024
						Actual												To Be Well Capitalized by Regulatory Definition												Actual												To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)						Amount						Ratio						Amount						Ratio						Amount						Ratio						Amount						Ratio
Total Capital (to Risk Weighted Assets):
Lake Forest Bank						$	913,408					11.7		%				$	780,590					10.0		%				$	857,438					11.8		%				$	728,358					10.0		%
Hinsdale Bank						611,707						11.7						523,012						10.0						543,925						11.9						458,046						10.0
Wintrust Bank						1,102,033						12.5						879,447						10.0						1,164,532						12.7						915,950						10.0
Libertyville Bank						312,923						12.0						260,677						10.0						276,568						11.8						234,181						10.0
Barrington Bank						519,425						11.5						449,975						10.0						472,428						11.4						413,497						10.0
Crystal Lake Bank						218,761						12.3						177,720						10.0						187,820						11.8						159,314						10.0
Northbrook Bank						554,744						11.8						469,918						10.0						502,434						11.3						446,536						10.0
Macatawa						382,248						12.7						301,217						10.0						307,829						16.3						189,233						10.0
Schaumburg Bank						246,955						12.9						191,443						10.0						229,770						12.2						187,982						10.0
Village Bank						347,992						11.6						300,127						10.0						310,037						11.5						270,656						10.0
Beverly Bank						266,507						12.6						211,477						10.0						265,590						12.5						213,222						10.0
Town Bank						448,206						12.1						371,326						10.0						387,911						11.4						340,161						10.0
Wheaton Bank						406,928						11.3						358,758						10.0						347,365						11.4						304,003						10.0
State Bank of the Lakes						246,346						12.0						204,907						10.0						213,869						11.6						184,932						10.0
Old Plank Trail Bank						311,608						11.8						265,015						10.0						271,641						11.3						241,562						10.0
St. Charles Bank						334,965						11.4						292,758						10.0						291,380						11.2						259,615						10.0
Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank						$	858,940					11.0		%				$	624,472					8.0		%				$	807,848					11.1		%				$	582,687					8.0		%
Hinsdale Bank						576,775						11.0						418,409						8.0						512,323						11.2						366,437						8.0
Wintrust Bank						1,012,547						11.5						703,557						8.0						1,069,171						11.7						732,760						8.0
Libertyville Bank						292,839						11.2						208,541						8.0						258,709						11.1						187,345						8.0
Barrington Bank						491,794						10.9						359,980						8.0						453,022						11.0						330,798						8.0
Crystal Lake Bank						204,432						11.5						142,176						8.0						176,144						11.1						127,451						8.0
Northbrook Bank						524,287						11.2						375,934						8.0						473,065						10.6						357,229						8.0
Macatawa						355,462						11.8						240,974						8.0						293,541						15.5						151,387						8.0
Schaumburg Bank						234,406						12.2						153,154						8.0						216,675						11.5						150,386						8.0
Village Bank						318,322						10.6						240,102						8.0						286,808						10.6						216,524						8.0
Beverly Bank						250,149						11.8						169,182						8.0						246,565						11.6						170,578						8.0
Town Bank						422,451						11.4						297,061						8.0						366,265						10.8						272,129						8.0
Wheaton Bank						382,347						10.7						287,007						8.0						323,221						10.6						243,202						8.0
State Bank of the Lakes						233,269						11.4						163,925						8.0						203,972						11.0						147,946						8.0
Old Plank Trail Bank						292,554						11.0						212,012						8.0						255,788						10.6						193,249						8.0
St. Charles Bank						315,028						10.8						234,206						8.0						270,446						10.4						207,692						8.0
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank						$	858,940					11.0		%				$	507,384					6.5		%				$	807,848					11.1		%				$	473,433					6.5		%
Hinsdale Bank						576,775						11.0						339,958						6.5						512,323						11.2						297,730						6.5
Wintrust Bank						1,012,547						11.5						571,640						6.5						1,069,171						11.7						595,367						6.5
Libertyville Bank						292,839						11.2						169,440						6.5						258,709						11.1						152,218						6.5
Barrington Bank						491,794						10.9						292,484						6.5						453,022						11.0						268,773						6.5
Crystal Lake Bank						204,432						11.5						115,518						6.5						176,144						11.1						103,554						6.5
Northbrook Bank						524,287						11.2						305,447						6.5						473,065						10.6						290,248						6.5
Macatawa						355,462						11.8						195,791						6.5						293,541						15.5						123,002						6.5
Schaumburg Bank						234,406						12.2						124,438						6.5						216,675						11.5						122,188						6.5
Village Bank						318,322						10.6						195,083						6.5						286,808						10.6						175,926						6.5
Beverly Bank						250,149						11.8						137,460						6.5						246,565						11.6						138,594						6.5
Town Bank						422,451						11.4						241,362						6.5						366,265						10.8						221,105						6.5
Wheaton Bank						382,347						10.7						233,193						6.5						323,221						10.6						197,602						6.5
State Bank of the Lakes						233,269						11.4						133,189						6.5						203,972						11.0						120,206						6.5
Old Plank Trail Bank						292,554						11.0						172,260						6.5						255,788						10.6						157,015						6.5
St. Charles Bank						315,028						10.8						190,293						6.5						270,446						10.4						168,750						6.5

						December 31, 2025																								December 31, 2024
						Actual												To Be Well Capitalized by Regulatory Definition												Actual												To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)						Amount						Ratio						Amount						Ratio						Amount						Ratio						Amount						Ratio
Tier 1 Leverage Ratio:
Lake Forest Bank						$	858,940					9.1		%				$	472,426					5.0		%				$	807,848					9.7		%				$	416,233					5.0		%
Hinsdale Bank						576,775						9.9						291,840						5.0						512,323						9.6						266,427						5.0
Wintrust Bank						1,012,547						10.5						481,193						5.0						1,069,171						11.1						479,667						5.0
Libertyville Bank						292,839						9.4						156,035						5.0						258,709						9.5						136,451						5.0
Barrington Bank						491,794						10.4						235,898						5.0						453,022						10.7						212,429						5.0
Crystal Lake Bank						204,432						10.2						100,266						5.0						176,144						9.8						89,519						5.0
Northbrook Bank						524,287						9.7						271,425						5.0						473,065						9.2						256,737						5.0
Macatawa						355,462						10.8						164,001						5.0						293,541						10.1						144,975						5.0
Schaumburg Bank						234,406						10.1						115,689						5.0						216,675						10.0						108,031						5.0
Village Bank						318,322						9.4						168,839						5.0						286,808						9.6						149,062						5.0
Beverly Bank						250,149						10.1						123,495						5.0						246,565						10.1						122,295						5.0
Town Bank						422,451						9.5						221,588						5.0						366,265						8.9						205,847						5.0
Wheaton Bank						382,347						9.0						212,275						5.0						323,221						9.1						178,254						5.0
State Bank of the Lakes						233,269						9.9						118,454						5.0						203,972						9.8						104,067						5.0
Old Plank Trail Bank						292,554						9.1						161,477						5.0						255,788						8.9						143,480						5.0
St. Charles Bank						315,028						9.5						166,595						5.0						270,446						9.3						144,886						5.0

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Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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Consolidated Capital Ratios [Table Text Block]

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