$2B
+19.8%y/y
Percentile by value92nd percentileby value
FDIC
LNLSGRSB
State Bank of the Lakes, National Association
Antioch, IllinoisFDIC Cert #5744
OCCEstablished 192610 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $110M |
| Investor CRE | $156M |
| Multifamily | $69.5M |
| Construction | $82.4M |
| 1–4 family | $231M |
| C&I | $771M |
| Agriculture | $121K |
| Other | $575M |
Loan book
Reported balances and balance-sheet intensity.
$1.99B
+19.8%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET+19.80%
+194.9%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET87.8%
−5.8%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP73.8%
−4.2%y/y
Percentile by value57th percentileby value
FDIC
LNLSNET + ASSET33.64%
−0.0%y/y
Percentile by value3rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
125%
+2.1%y/y
Percentile by value12th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC34%
+18.8%y/y
Percentile by value31st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,748points
+12.8%y/y
Peer standing71st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.51%
−3.3%y/y
Percentile by value10th percentileby value
FDIC
LNRENROW + LNLSGR7.80%
−14.8%y/y
Percentile by value11th percentileby value
FDIC
LNRENROT + LNLSGR38.63%
+7.3%y/y
Percentile by value96th percentileby value
FDIC
LNCI + LNLSGR