Wintrust Financial Corporation - Asset Resilience Ratio
Wintrust Financial Corporation (WTFC) has an Asset Resilience Ratio of 8.77% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read debt load of Wintrust Financial Corporation for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Wintrust Financial Corporation's Asset Resilience Ratio has changed over time. See WTFC book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Wintrust Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see WTFC stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $6.24 Billion | 8.77% |
| Total Liquid Assets | $6.24 Billion | 8.77% |
Asset Resilience Insights
- Limited Liquidity: Wintrust Financial Corporation maintains only 8.77% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Wintrust Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Wintrust Financial Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Wintrust Financial Corporation (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Wintrust Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 8.77% | $6.24 Billion | $71.14 Billion | +2.75pp |
| 2024-12-31 | 6.01% | $3.90 Billion | $64.88 Billion | +0.16pp |
| 2023-12-31 | 5.85% | $3.29 Billion | $56.26 Billion | +0.15pp |
| 2022-12-31 | 5.70% | $3.02 Billion | $52.95 Billion | +1.58pp |
| 2021-12-31 | 4.12% | $2.07 Billion | $50.14 Billion | -2.04pp |
| 2020-12-31 | 6.16% | $2.78 Billion | $45.08 Billion | -2.32pp |
| 2019-12-31 | 8.48% | $3.11 Billion | $36.62 Billion | +1.68pp |
| 2018-12-31 | 6.80% | $2.13 Billion | $31.24 Billion | +0.34pp |
| 2017-12-31 | 6.46% | $1.80 Billion | $27.92 Billion | -0.26pp |
| 2016-12-31 | 6.72% | $1.72 Billion | $25.67 Billion | -0.77pp |
| 2015-12-31 | 7.49% | $1.72 Billion | $22.91 Billion | -1.46pp |
| 2014-12-31 | 8.96% | $1.79 Billion | $20.01 Billion | -3.07pp |
| 2013-12-31 | 12.03% | $2.18 Billion | $18.10 Billion | +1.77pp |
| 2012-12-31 | 10.25% | $1.80 Billion | $17.52 Billion | +2.12pp |
| 2011-12-31 | 8.13% | $1.29 Billion | $15.89 Billion | -2.58pp |
| 2010-12-31 | 10.70% | $1.50 Billion | $13.98 Billion | +0.43pp |
| 2009-12-31 | 10.27% | $1.26 Billion | $12.22 Billion | +2.91pp |
| 2008-12-31 | 7.36% | $784.67 Million | $10.66 Billion | -6.55pp |
| 2007-12-31 | 13.92% | $1.30 Billion | $9.37 Billion | -5.30pp |
| 2006-12-31 | 19.22% | $1.84 Billion | $9.57 Billion | -2.79pp |
| 2005-12-31 | 22.01% | $1.80 Billion | $8.18 Billion | +21.18pp |
| 2004-12-31 | 0.82% | $52.82 Million | $6.42 Billion | -0.50pp |
| 2003-12-31 | 1.32% | $62.85 Million | $4.75 Billion | -2.86pp |
| 2002-12-31 | 4.18% | $155.67 Million | $3.72 Billion | +2.24pp |
| 2001-12-31 | 1.95% | $52.65 Million | $2.71 Billion | -5.89pp |
| 2000-12-31 | 7.84% | $164.82 Million | $2.10 Billion | -- |
About Wintrust Financial Corporation
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic tim… Read more