Wintrust Financial (WTFC) risk factors

Item 1A of every Wintrust Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
56 risks5 new2 dropped15 reworded
Wintrust added new risk disclosures around artificial intelligence adoption, Bank Secrecy Act compliance, and life insurance premium finance fraud.
Filed Feb 26, 2026
FY2024 10-K risk factors
53 risks
Geography and local economic conditions in the Chicago area dominate WTFC risk disclosures. Real estate and commercial lending concentration heavily influence potential credit losses. Interest rate fluctuations directly threaten net interest income.
Filed Feb 28, 2025