$3.39B
+7.7%y/y
Percentile by value46th percentileby value
FDIC
LNLSGRTB
Town Bank, National Association
Hartland, WisconsinFDIC Cert #34717
OCCEstablished 199826 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 | $152M |
| Investor CRE | $322M |
| Multifamily | $271M |
| Construction | $136M |
| 1–4 family | $419M |
| C&I | $1.23B |
| Agriculture | $37.2M |
| Other | $819M |
Loan book
Reported balances and balance-sheet intensity.
$3.37B
+7.8%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET+7.80%
−36.3%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET90.6%
+1.6%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET + DEP74.6%
+1.4%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET + ASSET40.19%
+2.5%y/y
Percentile by value9th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
161%
+1.8%y/y
Percentile by value21st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC30%
−11.5%y/y
Percentile by value35th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,669points
−8.8%y/y
Peer standing73rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD4.49%
−9.1%y/y
Percentile by value15th percentileby value
FDIC
LNRENROW + LNLSGR9.50%
+32.5%y/y
Percentile by value12th percentileby value
FDIC
LNRENROT + LNLSGR36.39%
−6.5%y/y
Percentile by value90th percentileby value
FDIC
LNCI + LNLSGR