WTFC · CIK 0001015328
What Wintrust Financial Corporation told the SEC could break it.
2 self-disclosed vulnerabilities, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
A limited set so far, we surface every cited disclosure we’ve extracted for WTFC. More may follow as additional filings are processed.
In its own words
What could break it.
Geographic concentration
- commercial real estate concentration in Chicago-area marketmedium
Wintrust has significant CRE exposure — $13.9B (26%) of its loan portfolio is commercial real estate, with ~63.9% located in its core market area (Chicago metro, southern Wisconsin, northwest Indiana, west Michigan), concentrating credit risk regionally.
“The Company has significant exposure to commercial real estate. At December 31, 2025, $13.9 billion, or 26%, of our loan portfolio was commercial real estate, with approximately 63.9% located in our market area.”
Regulatory & policy
- U.S. trade policy / tariffs (indirect impact on borrowers)low
Changes in U.S. trade policies, including imposed and proposed tariffs and retaliatory tariffs (China, EU, Canada, Mexico), may adversely impact Wintrust's business and the financial condition of its borrowers.
“Changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely impact our business, financial condition and results of operations. There continue to be proposals and discussion and dialogue in the U.S. government regarding potential changes to U.S. trade policies, legislation, treaties and tariffs, including trade policies and tariffs affecting other countries, including China, the European Union, Canada and Mexico and retaliatory tariffs by such countries.”
The hidden graph
Who it depends on, and who depends on it.
Relationships surfaced from filings, including ones disclosed by the other side, which is how the non-obvious ones come to light.
Its suppliers
“In late January of 2025, following receipt of regulatory approvals and satisfaction of certain other conditions, Wintrust Investments transitioned support of the wealth management business of Wintrust Investments and certain private client business at GLA to a platform operated by LPL Financial Holdings, Inc. (“LPL”). This transition allows Wintrust Investments and GLA to focus on the growth of their wealth management business, while outsourcing most of their operational and compliance support to LPL.”
Cited →
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