Wintrust Financial (WTFC) 10-K 28 Feb 23 2022 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2022	Feb. 24, 2023	Jun. 30, 2022
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-35077
Entity Registrant Name	Wintrust Financial Corp
Entity Incorporation, State or Country Code	IL
Entity Tax Identification Number	36-3873352
Entity Address, Address Line One	9700 W. Higgins Road, Suite 800
Entity Address, City or Town	Rosemont
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60018
City Area Code	847
Local Phone Number	939-9000
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 4,825,159,932
Entity Common Stock, Shares Outstanding (in shares)		61,016,165
Documents Incorporated by Reference	Portions of the Proxy Statement for the Company’s Annual Meeting of Shareholders to be held on May 25, 2023 are incorporated by reference into Part III.
Amendment Flag	false
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2022
Entity Central Index Key	0001015328
Common Stock, no par value
Entity Information [Line Items]
Title of 12(b) Security	Common Stock, no par value
Trading Symbol	WTFC
Security Exchange Name	NASDAQ
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value
Entity Information [Line Items]
Title of 12(b) Security	Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value
Trading Symbol	WTFCM
Security Exchange Name	NASDAQ
6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value
Entity Information [Line Items]
Title of 12(b) Security	6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value
Trading Symbol	WTFCP
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2022
Auditor Information [Abstract]
Auditor Firm ID	42
Auditor Name	Ernst & Young LLP
Auditor Location	Chicago, Illinois

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 490,908	$ 411,150
Federal funds sold and securities purchased under resale agreements	58	700,055
Interest-bearing deposits with banks	1,988,719	5,372,603
Available-for-sale securities	3,243,017	2,327,793
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $488 and $78 at December 31, 2022 and December 31, 2021, respectively ($2.9 billion and $2.9 billion fair value at December 31, 2022 and December 31, 2021, respectively)	3,640,567	2,942,285
Trading account securities	1,127	1,061
Equity securities with readily determinable fair value	110,365	90,511
Federal Home Loan Bank and Federal Reserve Bank stock	224,759	135,378
Brokerage customer receivables	16,387	26,068
Mortgage loans held-for-sale, at fair value	299,935	817,912
Loans, net of unearned income	39,196,485	34,789,104
Allowance for loan losses	(357,448)	(299,653)
Premises, software and equipment, net	764,798	766,405
Lease investments, net	253,928	242,082
Accrued interest receivable and other assets	1,391,342	1,084,115
Trade date securities receivable	921,717	0
Goodwill	653,524	655,149
Other acquisition-related intangible assets	22,186	28,307
Total assets	52,949,649	50,142,143
Deposits:
Non-interest-bearing	12,668,160	14,179,980
Interest-bearing	30,234,384	27,915,605
Total deposits	42,902,544	42,095,585
Federal Home Loan Bank advances	2,316,071	1,241,071
Other borrowings	596,614	494,136
Subordinated notes	437,392	436,938
Junior subordinated debentures	253,566	253,566
Accrued interest payable and other liabilities	1,646,624	1,122,159
Total liabilities	48,152,811	45,643,455
Shareholders’ Equity:
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at December 31, 2022 and December 31, 2021; 60,797,270 shares issued at December 31, 2022 and 58,891,780 shares issued at December 31, 2021	60,797	58,892
Surplus	1,902,474	1,685,572
Treasury stock, at cost, 3,262 shares at December 31, 2022 and 1,837,689 shares at December 31, 2021	(304)	(109,903)
Retained earnings	2,849,007	2,447,535
Accumulated other comprehensive (loss) income	(427,636)	4,092
Total shareholders’ equity	4,796,838	4,498,688
Total liabilities and shareholders’ equity	52,949,649	50,142,143
Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at December 31, 2022 and December 31, 2021
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:	125,000	125,000
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at December 31, 2022 and December 31, 2021
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:	287,500	287,500
Loans
Assets
Loans, net of unearned income	39,196,485	34,789,104
Allowance for loan losses	(270,173)	(247,835)
Net loans	$ 38,926,312	$ 34,541,269

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Held-to-maturity securities, allowance for credit loss	$ 488	$ 78
Held-to-maturity securities, fair value	$ 2,949,821	$ 2,900,694
Preferred stock, shares authorized (in shares)	20,000,000	20,000,000
Preferred stock, shares issued (in shares)	5,011,500	5,011,500
Preferred stock, shares outstanding (in shares)	5,011,500	5,011,500
Common stock, stated value (usd per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	60,797,270	58,891,780
Treasury stock (in shares)	3,262	1,837,689
Series D Preferred Stock
Preferred stock, liquidation value per share (usd per share)	$ 25	$ 25
Preferred stock, shares issued (in shares)	5,000,000	5,000,000
Preferred stock, shares outstanding (in shares)	5,000,000	5,000,000
Series E Preferred Stock
Preferred stock, liquidation value per share (usd per share)	$ 25,000	$ 25,000
Preferred stock, shares issued (in shares)	11,500	11,500
Preferred stock, shares outstanding (in shares)	11,500	11,500

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest income
Interest and fees on loans	$ 1,507,726	$ 1,133,528	$ 1,157,249
Mortgage loans held-for-sale	21,195	32,169	20,077
Interest-bearing deposits with banks	43,447	6,606	8,553
Federal funds sold and securities purchased under resale agreements	4,903	173	102
Investment securities	160,600	95,286	99,634
Trading account securities	22	10	37
Federal Home Loan Bank and Federal Reserve Bank stock	8,622	7,067	6,891
Brokerage customer receivables	928	645	477
Total interest income	1,747,443	1,275,484	1,293,020
Interest expense
Interest on deposits	175,202	88,119	189,178
Interest on Federal Home Loan Bank advances	30,329	19,581	18,193
Interest on other borrowings	14,294	9,928	12,773
Interest on subordinated notes	22,004	21,983	21,961
Interest on junior subordinated debentures	10,252	10,916	11,008
Total interest expense	252,081	150,527	253,113
Net interest income	1,495,362	1,124,957	1,039,907
Provision for credit losses	78,589	(59,263)	214,220
Net interest income after provision for credit losses	1,416,773	1,184,220	825,687
Non-interest income
Revenue from contracts with customers	217,719	207,172	170,130
Mortgage banking	155,173	273,010	346,013
Losses on investment securities, net	(20,427)	(1,059)	(1,926)
Fees from covered call options	14,133	3,673	2,292
Trading gains (losses), net	3,752	245	(1,004)
Operating lease income, net	55,510	53,691	47,604
Other	67,724	78,373	65,851
Total non-interest income	461,053	586,120	604,189
Non-interest expense
Salaries and employee benefits	696,107	691,669	626,076
Software and equipment	95,885	87,515	68,496
Operating lease equipment	38,008	40,880	37,915
Occupancy, net	70,965	74,184	69,957
Data processing	31,209	27,279	30,196
Advertising and marketing	59,418	47,275	36,296
Professional fees	33,088	29,494	27,426
Amortization of other acquisition-related intangible assets	6,116	7,734	11,018
FDIC insurance	28,639	27,030	25,004
OREO expense, net	(140)	(1,654)	(921)
Other	117,976	101,138	108,632
Total non-interest expense	1,177,271	1,132,544	1,040,095
Income before taxes	700,555	637,796	389,781
Income tax expense	190,873	171,645	96,791
Net income	509,682	466,151	292,990
Preferred stock dividends	27,964	27,964	21,377
Net income applicable to common shares	$ 481,718	$ 438,187	$ 271,613
Net income per common share-Basic (usd per share)	$ 8.14	$ 7.69	$ 4.72
Net income per common share-Diluted (usd per share)	8.02	7.58	4.68
Cash dividends declared per common share (usd per share)	$ 1.36	$ 1.24	$ 1.12
Weighted average common shares outstanding (in shares)	59,205	56,994	57,523
Dilutive potential common shares (in shares)	886	792	496
Average common shares and dilutive common shares (in shares)	60,091	57,786	58,019
Wealth management
Non-interest income
Revenue from contracts with customers	$ 126,614	$ 124,019	$ 100,336
Service charges on deposit accounts
Non-interest income
Revenue from contracts with customers	$ 58,574	$ 54,168	$ 45,023

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 509,682	$ 466,151	$ 292,990
Unrealized (losses) gains on available-for-sale securities
Before tax	(537,602)	(83,199)	76,464
Tax effect	143,270	22,152	(20,378)
Net of tax	(394,332)	(61,047)	56,086
Reclassification of net gains on available-for-sale securities included in net income
Before tax	439	1,079	221
Tax effect	(118)	(290)	(59)
Net of tax	321	789	162
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax	175	241	231
Tax effect	(47)	(64)	(62)
Net of tax	128	177	169
Net unrealized (losses) gains on available-for-sale securities	(394,781)	(62,013)	55,755
Unrealized (losses) gains on derivative instruments
Before tax	(26,882)	68,441	(13,591)
Tax effect	7,152	(18,240)	3,642
Net unrealized (losses) gains on derivative instruments	(19,730)	50,201	(9,949)
Foreign currency translation adjustment
Before tax	(21,781)	620	5,367
Tax effect	4,564	(98)	(1,113)
Net foreign currency translation adjustment	(17,217)	522	4,254
Total other comprehensive (loss) income	(431,728)	(11,290)	50,060
Comprehensive income	$ 77,954	$ 454,861	$ 343,050

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Series E Preferred Stock	Preferred stock	Preferred stock Series E Preferred Stock	Common stock	Surplus	Surplus Series E Preferred Stock	Treasury stock	Retained earnings	Retained earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income (loss)
Balance at beginning of period at Dec. 31, 2019	$ 3,691,250	$ (26,717)		$ 125,000		$ 57,951	$ 1,650,278		$ (6,931)	$ 1,899,630	$ (26,717)	$ (34,678)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	292,990									292,990
Other comprehensive income (loss), net of tax	50,060											50,060
Cash dividends declared on common stock	(64,513)									(64,513)
Dividends on preferred stock	(21,377)									(21,377)
Common stock repurchased under authorized program	(92,055)								(92,055)
Stock-based compensation	(4,938)						(4,938)
Issuance of Series E preferred stock			$ 277,613		$ 287,500			$ (9,887)
Common stock issued for:
New issuance, net of cost			$ 277,613		$ 287,500			$ (9,887)
Exercise of stock options and warrants	9,038					229	9,434		(625)
Restricted stock awards	(752)					201	(201)		(752)
Employee stock purchase plan	2,978					72	2,906
Director compensation plan	2,418					20	2,398
Balance at end of period at Dec. 31, 2020	4,115,995			412,500		58,473	1,649,990		(100,363)	2,080,013		15,382
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	466,151									466,151
Other comprehensive income (loss), net of tax	(11,290)											(11,290)
Cash dividends declared on common stock	(70,663)									(70,663)
Dividends on preferred stock	(27,966)									(27,966)
Common stock repurchased under authorized program	(9,540)								(9,540)
Stock-based compensation	16,177						16,177
Common stock issued for:
Exercise of stock options and warrants	14,035					327	13,708
Restricted stock awards						20	(20)
Employee stock purchase plan	3,325					48	3,277
Director compensation plan	2,464					24	2,440
Balance at end of period at Dec. 31, 2021	4,498,688			412,500		58,892	1,685,572		(109,903)	2,447,535		4,092
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	509,682									509,682
Other comprehensive income (loss), net of tax	(431,728)											(431,728)
Cash dividends declared on common stock	(80,246)									(80,246)
Dividends on preferred stock	(27,964)									(27,964)
Stock-based compensation	31,748						31,748
Issuance of Series E preferred stock	285,729					1,612	174,214		109,903
Common stock issued for:
New issuance, net of cost	285,729					1,612	174,214		109,903
Exercise of stock options and warrants	4,886					123	5,067		(304)
Restricted stock awards						69	(69)
Employee stock purchase plan	3,386					42	3,344
Director compensation plan	2,657					59	2,598
Balance at end of period at Dec. 31, 2022	$ 4,796,838			$ 412,500		$ 60,797	$ 1,902,474		$ (304)	$ 2,849,007		$ (427,636)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash dividends declared on common stock (usd per share)	$ 1.36	$ 1.24	$ 1.12
Series D Preferred Stock
Dividends on preferred stock (usd per share)	1.64	1.64	1.64
Series E Preferred Stock
Dividends on preferred stock (usd per share)	$ 1,718.76	$ 1,718.76	$ 1,145.84

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating Activities:
Net income	$ 509,682	$ 466,151	$ 292,990
Adjustments to reconcile net income to net cash provided by (used for) operating activities
Provision for credit losses	78,589	(59,263)	214,220
Depreciation, amortization and accretion, net	82,070	101,797	96,369
Deferred income tax expense (benefit)	22,057	(2,861)	(4,058)
Stock-based compensation expense (benefit)	31,748	16,177	(4,938)
Amortization of premium on securities, net	2,416	6,391	10,881
Accretion of discount and deferred fees on loans, net	(19,565)	(83,434)	(81,604)
Mortgage servicing rights fair value changes, net of economic hedge	(36,609)	16,515	63,343
Non-designated derivatives fair value changes, net	1,691	(569)	(484)
Originations and purchases of mortgage loans held-for-sale	(2,799,000)	(6,803,777)	(8,004,730)
Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs	80,158	88	(297,599)
Proceeds from sales of mortgage loans held-for-sale	3,146,442	7,441,705	7,624,799
Bank owned life insurance (“BOLI”) loss (income)	806	(5,812)	(4,488)
(Increase) decrease in trading securities, net	(66)	(390)	397
Decrease (increase) in brokerage customer receivables, net	9,681	(8,632)	(863)
Gains on mortgage loans sold	(43,391)	(214,085)	(339,127)
Losses on investment securities, net, and dividend reinvestment on equity securities	20,427	1,059	2,373
Losses (gains) on sales of premises and equipment, net, and sale of related deposit liabilities	2,845	(3,614)	421
Gains on sales and fair value adjustments of other real estate owned, net	(792)	(2,792)	(1,421)
(Increase) decrease in accrued interest receivable and other assets, net	(91,585)	187,743	(131,870)
Increase in accrued interest payable and other liabilities, net	377,396	78,475	46,924
Net Cash Provided by (Used for) Operating Activities	1,375,000	1,130,872	(518,465)
Investing Activities:
Proceeds from maturities and calls of available-for-sale securities	386,259	1,290,126	1,613,143
Proceeds from maturities and calls of held-to-maturity securities	210,958	307,971	879,713
Proceeds from sales of available-for-sale securities	0	192,227	502,250
Proceeds from sales of equity securities with readily determinable fair value	31,753	9,759	6,530
Proceeds from sales and capital distributions of equity securities without readily determinable fair value	1,330	2,685	1,857
Purchases of available-for-sale securities	(2,762,171)	(842,170)	(1,998,380)
Purchases of held-to-maturity securities	(910,964)	(2,873,691)	(125,220)
Purchases of equity securities with readily determinable fair value	(59,495)	(9,060)	(45,735)
Purchases of equity securities without readily determinable fair value	(17,429)	(9,265)	(5,118)
(Redemptions) purchases of FHLB and FRB stock, net	(89,381)	210	(34,849)
Distributions from (contributions to) investments in partnerships, net	4,765	(2,107)	76
Net cash paid in business combinations	0	(585,402)	0
Proceeds from sale of other real estate owned	3,954	16,927	10,776
Decrease (increase) in securities purchased under resale agreements with terms exceeding three months, net	700,000	(700,000)	0
Decrease (increase) in interest-bearing deposits with banks, net	3,382,366	(569,205)	(2,636,581)
Increase in loans, net	(4,320,225)	(2,101,121)	(5,290,668)
Redemption of BOLI	960	332	3,428
Purchases of premises and equipment, net	(53,449)	(57,075)	(63,646)
Net Cash Used for Investing Activities	(3,490,769)	(5,928,859)	(7,182,424)
Financing Activities:
Increase in deposit accounts, net	806,947	5,006,801	6,985,964
Increase (decrease) in other borrowings, net	125,135	(27,784)	88,596
Increase in Federal Home Loan Bank advances, net	1,075,000	12,629	553,500
Cash payments to settle contingent consideration liabilities recognized in business combinations	0	(16,583)	(4,523)
Proceeds from the issuance of common stock, net	285,729	0	0
Proceeds from the issuance of preferred stock, net	0	0	277,613
Issuance of common shares resulting from exercise of stock options and employee stock purchase plan	11,233	19,824	15,059
Common stock repurchases under authorized program	0	(9,540)	(92,055)
Common stock repurchases for tax withholdings related to stock-based compensation	(304)	0	(1,377)
Dividends paid	(108,210)	(98,629)	(85,890)
Net Cash Provided by Financing Activities	2,195,530	4,886,718	7,736,887
Net Increase in Cash and Cash Equivalents	79,761	88,731	35,998
Cash and Cash Equivalents at Beginning of Period	411,205	322,474	286,476
Cash and Cash Equivalents at End of Period	490,966	411,205	322,474
Cash paid during the year for:
Interest	239,209	156,868	257,408
Income taxes, net	153,499	178,575	105,268
Business combinations:
Fair value of assets acquired, including cash and cash equivalents	0	591,409	0
Value ascribed to goodwill and other intangible assets	0	9,275	0
Fair value of liabilities assumed	0	6,007	0
Non-cash activities
Transfer to other real estate owned from loans	$ 10,018	$ 5,837	$ 13,239

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies The accounting and reporting policies of Wintrust Financial Corporation (“Wintrust” or the “Company”) and its subsidiaries conform to generally accepted accounting principles in the United States and prevailing practices of the banking industry. In the preparation of the consolidated financial statements, management is required to make certain estimates and assumptions that affect the reported amounts contained in the consolidated financial statements. Management believes that the estimates made are reasonable; however, changes in estimates may be required if economic or other conditions change beyond management’s expectations. Reclassifications of certain prior year amounts have been made to conform to the current year presentation. The following is a summary of the Company’s significant accounting policies. Principles of Consolidation The consolidated financial statements of Wintrust include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in the consolidated financial statements. Earnings per Share Basic earnings per share is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that would occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then share in the earnings of the Company. The weighted-average number of common shares outstanding is increased by the assumed conversion of any outstanding convertible preferred stock shares from the beginning of the year or date of issuance, if later, and the number of common shares that would be issued assuming the exercise of stock options and the issuance of restricted shares using the treasury stock method. The adjustments to the weighted-average common shares outstanding are only made when such adjustments will dilute earnings per common share. If relevant convertible preferred shares are outstanding during a period, net income applicable to common shares used in the diluted earnings per share calculation may be adjusted to consider potential conversion of such preferred shares. Where the effect of this conversion would reduce the loss per share or increase the income per share, net income applicable to common shares is not adjusted by the associated preferred dividends. Business Combinations The Company accounts for business combinations under the acquisition method of accounting in accordance with ASC 805, “Business Combinations” (“ASC 805”) when it obtains control of a business. When determining whether a business has been acquired, the Company first evaluates whether substantially all of the fair value of the gross assets acquired are concentrated in a single identifiable asset or a group of similar identifiable assets. If concentrated in such a manner, the set of assets and activities is not a business. If not concentrated in such a manner, the Company assesses whether the set meets the definition of a business by containing inputs, outputs and at least one substantive process. If the set represents a business, the Company recognizes the fair value of the assets acquired and liabilities assumed, immediately expenses transaction costs and accounts for restructuring plans separately from the business combination. The excess of the cost of the acquisition over the fair value of the net tangible and intangible assets acquired is recorded as goodwill. Alternatively, a gain is recorded equal to the amount by which the fair value of assets purchased exceeds the fair value of liabilities assumed and consideration paid. If the set of assets and activities do not constitute a business, the transaction is accounted for as an asset acquisition. The cost of a group of assets acquired is allocated to the individual assets acquired or liabilities assumed based on the relative fair value and does not result in the recognition of goodwill. Generally, any excess of the cost of the transaction over the fair value of the individual assets acquired or liabilities assumed, or, in contrast, any excess of the fair value of the individual assets acquired or liabilities assumed over the cost of the transaction, should be allocated on a relative fair value basis. Certain "non-qualifying" assets are excluded from this allocation, and are recognized at the individual asset's fair value. Results of operations of the acquired business are included in the income statement from the effective date of acquisition. Subsequent adjustments to provisional amounts that are identified in reporting periods within one year after the acquisition date in a business combination are recognized in the reporting period in which the adjustment amounts are determined. Cash Equivalents For purposes of the consolidated statements of cash flows, Wintrust considers cash on hand, cash items in the process of collection, non-interest bearing amounts due from correspondent banks, federal funds sold and securities purchased under resale agreements with original maturities of three months or less, to be cash equivalents. At December 31, 2021, federal funds sold and securities purchased under resale agreements on the Company’s Consolidated Statements of Condition included approximately $700.0 million of securities sold under agreements to repurchase with original maturities exceeding three months. As a result, such balance was not considered a cash equivalent for purposes of the Company’s Consolidated Statements of Cash Flows for the respective period. There were no securities sold under agreements to repurchase with original maturities exceeding three months at December 31, 2022. Investment Securities The Company classifies debt and equity securities upon purchase in one of five categories: trading, held-to-maturity debt securities, available-for-sale debt securities, equity securities with a readily determinable fair value or equity securities without a readily determinable fair value. Debt and equity securities held for resale are classified as trading securities. Debt securities for which the Company has the ability and positive intent to hold until maturity are classified as held-to-maturity. All other debt securities are classified as available-for-sale as they may be sold prior to maturity in response to changes in the Company’s interest rate risk profile, funding needs, demand for collateralized deposits by public entities or other reasons. Equity securities are classified based upon whether a readily determinable fair value exists on such security. The fair value of an equity security is readily determinable if it meets certain conditions, including whether sales prices or bid-ask quotes are currently available on certain securities exchanges; traded only in a foreign market that is of a breadth and scope comparable to one of the U.S. markets; or the security is an investment in a mutual fund or similar structure with a fair value per share or unit that is determined and published, and is the basis for current transactions. Held-to-maturity debt securities are stated at amortized cost, which represents actual cost adjusted for premium amortization and discount accretion using methods that approximate the effective interest method. Available-for-sale debt securities are stated at fair value, with unrealized gains and losses, net of related taxes, included in shareholders’ equity as a separate component of other comprehensive income. Trading account securities and equity securities with a readily determinable fair value are stated at fair value. Realized and unrealized gains and losses from sales and fair value adjustments are included in other non-interest income. Equity securities without a readily determinable fair value are stated at either a calculated net asset value per share, if available, or the cost of the security minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar instrument of the same issuer. Subsequent to classification at the time of purchase, the Company may transfer debt securities between trading, held-to-maturity, or available-for-sale. For debt securities transferred to trading, the current unrealized gain or loss at the date of transfer, net of related taxes, is immediately recognized in earnings. Debt securities transferred from trading to either held-to-maturity or available-for-sale have already recognized any unrealized gain or loss into earnings and this amount is not reversed. Unrealized gains or losses, net related taxes, for available-for-sale debt securities transferred to held-to-maturity remain as a separate component of other comprehensive income and an offsetting discount is included in the amortized cost of the held-to-maturity debt security. These amounts are amortized over the remaining life of the debt security in equal and offsetting amounts. Unrealized gains or losses for held-to-maturity debt securities transferred to available-for-sale are recognized at the transfer date as a separate component of other comprehensive income, net of related taxes. Declines in the fair value of held-to-maturity and available-for-sale debt investment securities (with certain exceptions for debt securities noted below) that are deemed to be credit losses are charged to the allowance for credit losses. In evaluating credit impairment, management considers the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value in the near term. Declines in the fair value of debt securities below amortized cost are deemed to be credit losses in circumstances where: (1) the Company has the intent to sell a security; (2) it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis; or (3) the Company does not expect to recover the entire amortized cost basis of the debt security. If the Company intends to sell a debt security or if it is more likely than not that the Company will be required to sell the debt security before recovery, a credit impairment write-down is recognized in the allowance for credit losses equal to the difference between the debt security’s amortized cost basis and its fair value. If an entity does not intend to sell the debt security or it is not more likely than not that it will be required to sell the debt security before recovery, the credit impairment write-down is separated into an amount representing credit loss, which is recognized in the allowance for credit losses, and an amount related to all other factors, which is recognized in other comprehensive income. Equity securities with readily determinable fair values are measured at fair value with changes recognized in net income. Equity securities without readily determinable fair values are measured at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer. Such investments are included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition. Interest and dividends, including amortization of premiums and accretion of discounts, are recognized as interest income when earned. Realized gains and losses on sales (using the specific identification method), unrealized gains and losses on equity securities and declines in value judged to be other-than-temporary are included in non-interest income. FHLB and FRB Stock Investments in FHLB and FRB stock are restricted as to redemption and are carried at cost. Securities Purchased Under Resale Agreements and Securities Sold Under Repurchase Agreements Securities purchased under resale agreements and securities sold under repurchase agreements are generally treated as collateralized financing transactions and are recorded at the amount at which the securities were acquired or sold plus accrued interest. Securities, consisting of U.S. Treasury, U.S. Government agency and mortgage-backed securities, pledged as collateral under these financing arrangements cannot be sold by the secured party. The fair value of collateral either received from or provided to a third party is monitored and additional collateral is obtained or requested to be returned as deemed appropriate. Brokerage Customer Receivables The Company, under an agreement with an out-sourced securities clearing firm, extends credit to its brokerage customers to finance their purchases of securities on margin. The Company receives income from interest charged on such extensions of credit. Brokerage customer receivables represent amounts due on margin balances. Securities owned by customers are held as collateral for these receivables. Mortgage Loans Held-for-Sale Mortgage loans are classified as held-for-sale when originated or acquired with the intent to sell the loan into the secondary market. ASC 825, “Financial Instruments” provides entities with an option to report selected financial assets and liabilities at fair value. Mortgage loans classified as held-for-sale are measured at fair value which is typically determined by reference to investor prices for loan products with similar characteristics. Changes in fair value are recognized in mortgage banking revenue. Market conditions or other developments may change management’s intent with respect to the disposition of these loans and loans previously classified as mortgage loans held-for-sale may be reclassified to the loans held-for-investment portfolio, with the balance transferred continuing to be carried at fair value. Loans and Leases Loans are generally reported at the principal amount outstanding, net of unearned income. Interest income is recognized when earned. Loan origination fees and certain direct origination costs are deferred and amortized over the expected life of the loan as an adjustment to the yield using methods that approximate the effective interest method. Finance charges on premium finance receivables are earned over the term of the loan, using a method which approximates the effective yield method. Leases classified as direct financing leases are included within lease loans for financial statement purposes. Direct financing leases are stated as the sum of remaining minimum lease payments from lessees plus estimated residual values less unearned lease income. Unearned lease income on direct financing leases is recognized over the term of the leases using the effective interest method. Interest income is not accrued on loans where management has determined that the borrowers may be unable to meet contractual principal or interest obligations, or where interest or principal is 90 days or more past due, unless the loans are adequately secured and in the process of collection. Cash receipts on non-accrual loans are generally applied to the principal balance until the remaining balance is considered collectible, at which time interest income may be recognized when received. Allowance for Credit Losses In accordance with ASC 326, “Financial Instruments – Credit Losses” (“ASC 326”), the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. Financial assets include assets measured under the amortized cost basis, including loans, net investments in leases recognized by a lessor, held-to-maturity debt securities and purchased credit deteriorated (“PCD”) assets at the time of and subsequent to acquisition, and off-balance-sheet credit exposures considered not unconditionally cancellable. In addition to financial assets measured at amortized cost, credit losses related to available-for-sale debt securities are recorded through the allowance for credit losses and not as a direct adjustment to the amortized cost of the securities. The Company elects the collateral maintenance practical expedient under ASC 326 and applies this approach to securities purchased under resale agreements and brokerage customer receivables. In accordance with contractual terms, these assets require underlying collateral to be monitored continuously and replenished when collateral is less than required levels. The Company measures an allowance for credit losses if the carrying balance of such assets exceeds the amount of underlying collateral. The allowance for credit losses on financial assets held at amortized cost is measured on a collective or pooled basis when similar risk characteristics exist. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool, including methodologies estimating the probability of default and loss given default on specific segments. Credit quality indicators, specifically the Company's internal risk rating systems, reflect how the Company monitors credit losses and represent factors used by the Company when measuring the allowance for credit losses. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company and incorporates third party economic forecasts on a quantitative or qualitative basis. Reasonable and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates. Qualitative factors assessed by Management include the following: • Changes in the nature and volume of the institution’s financial assets; • Changes in the existence, growth, and effect of any concentrations of credit; • Changes in the volume and severity of past due financial assets, the volume of non-accrual assets, and the volume and severity of adversely classified or graded assets; • Changes in the value of the underlying collateral for loans that are not collateral-dependent; • Changes in the institution’s lending policies and procedures, including changes in underwriting standards and practices for collections, write-offs, and recoveries; • Changes in the quality of the institution’s credit review function; • Changes in the experience, ability, and depth of the institution’s lending, investment, collection, and other relevant management and staff; • The effect of changes in other external factors such as the regulatory, legal and technological environments; competition; and events such as natural disasters; and • Actual and expected changes in international, national, regional, and local economic and business conditions and developments in which the institution operates that affect the collectability of financial assets. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are considered when either (1) the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancellable, or (2) the expected extension, renewal or modification is reasonably expected to result in a troubled debt restructuring (“TDR”). Financial assets that do not share similar risk characteristics with any pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including substandard non-accrual assets and assets currently classified or expected to be classified as TDRs. If an individual asset is removed from a pool, the allowance for credit losses for such pool will be measured without considering the removed asset. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. For certain accruing current and expected TDRs, expected credit losses are measured based upon the present value of future cash flows of the modified asset terms compared to the amortized cost of the asset. For purchased financial assets that have experienced more-than-insignificant deterioration in credit quality since origination (“PCD assets”), the Company recognizes the sum of the purchase price and estimate of the allowance for credit losses as of the date of acquisition as the initial amortized cost basis. If the estimated allowance for credit losses is recognized under a methodology that is not a discounted cash flow methodology, such allowance for credit losses will be estimated based upon the unpaid principal balance of the financial asset. The Company does not measure an allowance for credit losses on accrued interest receivable balances if these balances are written off in a timely manner. Write-offs of accrued interest receivable balances are recorded as a reduction to interest income. Recoveries of financial assets previously written off are recognized when received and recorded as a component of the allowance for credit losses. When measuring the allowance for credit losses, the Company incorporates an estimate of expected recoveries provided the estimate is reasonable and supportable. Write-offs of financial assets are charged-off or deducted from the allowance for credit losses and recorded in the period when the Company concludes that all or a portion of a financial asset is no longer collectible. A provision for credit losses is charged to income based on Management’s periodic evaluation of the factors previously described. Evaluations are conducted at least quarterly and more frequently if deemed necessary. Mortgage Servicing Rights ("MSRs") MSRs are recorded in the Consolidated Statements of Condition at fair value in accordance with ASC 860, “Transfers and Servicing.” The Company originates mortgage loans for sale to the secondary market. Certain loans are originated and sold with servicing rights retained. MSRs associated with loans originated and sold, where servicing is retained, are capitalized at the time of sale at fair value based on the future net cash flows expected to be realized for performing the servicing activities, and included in other assets in the Consolidated Statements of Condition. The change in the fair value of MSRs is recorded as a component of mortgage banking revenue in non-interest income in the Consolidated Statements of Income. The Company measures the fair value of MSRs by stratifying the servicing rights into pools based on homogeneous characteristics, such as product type and interest rate. The fair value of each servicing rights pool is calculated based on the present value of estimated future cash flows using a discount rate commensurate with the risk associated with that pool, given current market conditions. Estimates of fair value include assumptions about prepayment speeds, interest rates and other factors which are subject to change over time. Changes in these underlying assumptions could cause the fair value of MSRs to change significantly in the future. Lease Investments The Company’s investments in equipment and other assets held on operating leases are reported as lease investments, net. Rental income on operating leases is recognized as income over the lease term on a straight-line basis. Equipment and other assets held on operating leases is stated at cost less accumulated depreciation. Depreciation of the cost of the assets held on operating leases, less any residual value, is computed using the straight-line method over the term of the leases, which is generally seven years or less. Premises and Equipment Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation and amortization. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the related assets. Useful lives generally range from two two seven Long-lived depreciable assets are evaluated periodically for impairment when events or changes in circumstances indicate the carrying amount may not be recoverable. Impairment exists when the expected undiscounted future cash flows of a long-lived asset are less than its carrying value. In that event, a loss is recognized for the difference between the carrying value and the estimated fair value of the asset based on a quoted market price, if applicable, or a discounted cash flow analysis. Impairment losses are recognized in other non-interest expense. Other Real Estate Owned Other real estate owned is comprised of real estate acquired in partial or full satisfaction of loans and is included in other assets in the Consolidated Statements of Condition. Other real estate owned is recorded at its estimated fair value less estimated selling costs at the date of transfer. Any excess of the related loan balance over the fair value less expected selling costs is charged to the allowance for credit losses. In contrast, any excess of the fair value less expected selling costs over the related loan balance is recorded as a recovery of prior charge-offs on the loan and, if any portion of the excess exceeds prior charge-offs, as an increase to earnings. Subsequent changes in value are reported as adjustments to the carrying amount, limited to the initial fair value recorded at the date of transfer, and are recorded in other non-interest expense. Gains and losses upon sale, if any, are also charged to other non-interest expense. At December 31, 2022 and 2021, other real estate owned totaled $9.9 million and $4.3 million, respectively. Goodwill and Other Intangible Assets Goodwill represents the excess of the cost of a business acquisition over the fair value of net assets acquired. Other intangible assets represent purchased assets that also lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset or liability. In accordance with accounting standards, goodwill is not amortized, but rather is tested for impairment on an annual basis or more frequently when events warrant, using a qualitative or quantitative approach. Intangible assets which have finite lives are amortized over their estimated useful lives and also are subject to impairment testing. Intangible assets which have indefinite lives are evaluated each reporting date to determine whether events and circumstances continue to support an indefinite useful life. If an indefinite useful life can no longer be supported for such asset, the intangible asset will be amortized prospectively over the remaining estimated useful life. If an indefinite useful life can be supported, the asset is not amortized, but rather is tested for impairment on an annual basis or more frequently when events warrant, using a qualitative or quantitative approach. The Company’s intangible assets having finite lives are amortized over varying periods not exceeding twenty years. Bank-Owned Life Insurance ("BOLI") The Company maintains BOLI on certain executives. BOLI balances are recorded at their cash surrender values and are included in other assets in the Consolidated Statements of Condition. Changes in the cash surrender values are included in non-interest income. At December 31, 2022 and 2021, BOLI totaled $157.3 million and $157.7 million, respectively. Derivative Instruments The Company enters into derivative transactions principally to protect against the risk of adverse price or interest rate movements on the future cash flows or the value of certain assets and liabilities. The Company is also required to recognize certain contracts and commitments, including certain commitments to fund mortgage loans held-for-sale, as derivatives when the characteristics of those contracts and commitments meet the definition of a derivative. The Company accounts for derivatives in accordance with ASC 815, “Derivatives and Hedging,” which requires that all derivative instruments be recorded in the Consolidated Statements of Condition at fair value. The accounting for changes in the fair value of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship and further, on the type of hedging relationship. Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset or liability attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Formal documentation of the relationship between a derivative instrument and a hedged asset or liability, as well as the risk-management objective and strategy for undertaking each hedge transaction and an assessment of effectiveness, is required at inception to apply hedge accounting. In addition, formal documentation of ongoing effectiveness testing is required to maintain hedge accounting. Fair value hedges are accounted for by recording the changes in the fair value of the derivative instrument and the changes in the fair value related to the risk being hedged of the hedged asset or liability on the statement of condition with corresponding offsets recorded in the income statement. The adjustment to the hedged asset or liability is included in the basis of the hedged item, while the fair value of the derivative is recorded as a freestanding asset or liability. Actual cash receipts or payments and related amounts accrued during the period on derivatives included in a fair value hedge relationship are recorded as adjustments to the interest income or expense recorded on the hedged asset or liability. Cash flow hedges are accounted for by recording the changes in the fair value of the derivative instrument on the statement of condition as either a freestanding asset or liability, with a corresponding offset recorded in other comprehensive income within shareholders’ equity, net of deferred taxes. Amounts are reclassified from accumulated other comprehensive income to interest expense in the period or periods the hedged forecasted transaction affects earnings. Under both the fair value and cash flow hedge scenarios, changes in the fair value of derivatives not considered to be highly effective in hedging the change in fair value or the expected cash flows of the hedged item are recognized in earnings as non-interest income during the period of the change. Derivative instruments that are not designated as hedges according to accounting guidance are reported on the statement of condition at fair value and the changes in fair value are recognized in earnings as non-interest income during the period of the change. Commitments to fund mortgage loans (i.e. interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives and are not designated in hedging relationships. Fair values of these mortgage derivatives are estimated primarily based on changes in mortgage rates from the date of the commitments. Changes in the fair values of these derivatives are included in mortgage banking revenue. Forward currency and commodity contracts used to manage foreign exchange risk and commodity price risk, respectively, associated with certain assets are accounted for as derivatives and are not designated in hedging relationships. Such derivatives are recorded at fair value based on prevailing currency and commodity exchange rates at the measurement date. Changes in the fair values of these derivatives are recognized in earnings as non-interest income during the period of change. Periodically, the Company sells options to an unrelated bank or dealer for the right to purchase certain securities held within its investment portfolios (“covered call options”). These option transactions are designed primarily as an economic hedge to compensate for net interest margin compression by increasing the total return associated with holding the related securities as earning assets by using fee incom

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements Business Combinations In October 2021, the FASB issued ASU No. 2021-08, “Business Combinations (Topic 805), Accounting for Contract Assets and Contract Liabilities from Customers with Contracts,” which clarifies diversity in practice related to recognition and measurement of contract assets and liabilities related to revenue contracts with customers which are acquired in a business combination by aligning business combination accounting with the subsequent accounting for contract assets and liabilities by requiring entities to apply ASC Topic 606, Revenue from Contracts with Customers, in order to recognize and measure deferred revenue in a business combination. The guidance also creates an exception to the general recognition and measurement principle in ASC Topic 805, Business Combinations, under which such amounts are recognized by the acquirer at fair value on the acquisition date by providing two practical expedients for acquirers. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein, and is to be applied either prospectively or retrospectively depending on the date of initial application. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Fair Value Hedging - Portfolio Layer Method In March 2022, the FASB issued ASU No. 2022-01, “Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method” which expands the current last-of-layer method by allowing multiple hedged layers to be designated for a single closed portfolio of financial assets or one or more beneficial interests secured by a portfolio of financial instruments. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein, and is to be applied under a prospective approach. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Troubled Debt Restructurings and Vintage Disclosures In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” which eliminates the separate recognition and measurement guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors when a borrower is experiencing financial difficulty, and requiring entities to disclose current-period gross write-offs by year of origination for certain financing receivables and net investments in leases. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein. The amendments related to disclosures for loan modifications and the vintage disclosures should be applied under a prospective approach, while the guidance on TDRs should be applied using either a prospective or modified retrospective approach. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Fair Value Measurement - Equity Securities with Contractual Sale Restrictions In June 2022, the FASB issued ASU No. 2022-03, “Fair Value Measurement (Topic 820), Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions” which clarifies the guidance in ASC 820 when measuring the fair value of an equity security subject to contractual restrictions that prohibit the sale of an equity security, and also requires specific disclosures related to these types of securities. This guidance is effective for fiscal years beginning after December 15, 2023, including interim periods therein, and is to be applied under a prospective approach. Early adoption is permitted. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Legislation Issued Related to Stock Repurchases On August 16, 2022, the Inflation Reduction Act of 2022 (the “IRA”) was signed by the President of the United States. Among other things, the IRA imposes a new 1% excise tax on the fair market value of stock repurchased after December 31, 2022. With certain exceptions, the value of stock repurchased is determined net of stock issued in the year, including shares issued pursuant to compensatory arrangements. These provisions are not expected to have a material impact on the Company's consolidated financial statements.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities A summary of the available-for-sale and held-to-maturity investment securities portfolios presenting carrying amounts and gross unrealized gains and losses as of December 31, 2022 and 2021 is as follows: December 31, 2022 December 31, 2021 (In thousands) Amortized Gross Gross Fair Value Amortized Gross Gross Fair Value Available-for-sale securities U.S. Treasury $ 14,943 $ 5 $ — $ 14,948 $ — $ — $ — $ — U.S. government agencies 80,000 36 (5,814) 74,222 50,158 2,349 — 52,507 Municipal 173,861 230 (5,436) 168,655 161,618 4,193 (217) 165,594 Corporate notes: Financial issuers 93,994 — (9,291) 84,703 96,878 418 (2,599) 94,697 Other 1,000 2 — 1,002 1,000 7 — 1,007 Mortgage-backed: (1) Mortgage-backed securities 3,308,494 238 (488,795) 2,819,937 1,901,005 32,830 (25,854) 1,907,981 Collateralized mortgage obligations 97,342 — (17,792) 79,550 105,710 297 — 106,007 Total available-for-sale securities $ 3,769,634 $ 511 $ (527,128) $ 3,243,017 $ 2,316,369 $ 40,094 $ (28,670) $ 2,327,793 Held-to-maturity securities U.S. government agencies $ 339,614 $ — $ (75,293) $ 264,321 $ 180,192 $ 201 $ (3,314) $ 177,079 Municipal 179,027 477 (4,066) 175,438 187,486 9,544 (223) 196,807 Mortgage-backed: (1) Mortgage-backed securities 2,900,031 — (583,682) 2,316,349 2,530,730 864 (47,622) 2,483,972 Collateralized mortgage obligations 164,151 — (23,322) 140,829 — — — — Corporate notes 58,232 — (5,348) 52,884 43,955 — (1,119) 42,836 Total held-to-maturity securities $ 3,641,055 $ 477 $ (691,711) $ 2,949,821 $ 2,942,363 $ 10,609 $ (52,278) $ 2,900,694 Less: Allowance for credit losses (488) (78) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567 $ 2,942,285 Equity securities with readily determinable fair value $ 115,552 $ 2,935 $ (8,122) $ 110,365 $ 86,989 $ 5,354 $ (1,832) $ 90,511 (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime. Equity securities without readily determinable fair values totaled $43.8 million as of December 31, 2022 and $37.5 million as of December 31, 2021. Equity securities without readily determinable fair values are included as part of accrued interest receivable and other assets in the Company’s Consolidated Statements of Condition. The Company monitors its equity investments without readily determinable fair values to identify potential transactions that may indicate an observable price change in orderly transactions for the identical or a similar investment of the same issuer, requiring adjustment to its carrying amount. The Company recorded no upward and no downward adjustments related to such observable price changes in 2022 or 2021. The Company conducts a quarterly assessment of its equity securities without readily determinable fair values to determine whether impairment exists in such equity securities, considering, among other factors, the nature of the securities, financial condition of the issuer and expected future cash flows. During the years ended December 31, 2022 and December 31, 2021, the Company recorded $12.2 million and $2.4 million, respectively, of impairment of equity securities without readily determinable fair values. The following tables present the portion of the Company’s available-for-sale investment securities portfolios which had gross unrealized losses, reflecting the length of time that individual securities have been in a continuous unrealized loss position at December 31, 2022 and 2021, respectively: As of December 31, 2022 Continuous unrealized Continuous unrealized Total (In thousands) Fair value Unrealized Fair value Unrealized Fair value Unrealized Available-for-sale securities U.S. Treasury $ — $ — $ — $ — $ — $ — U.S. government agencies 36,750 (3,250) 7,436 (2,564) 44,186 (5,814) Municipal 88,433 (1,997) 41,642 (3,439) 130,075 (5,436) Corporate notes: Financial issuers 14,420 (580) 70,283 (8,711) 84,703 (9,291) Other — — — — — — Mortgage-backed: (1) Mortgage-backed securities 1,185,885 (99,494) 1,578,200 (389,301) 2,764,085 (488,795) Collateralized mortgage obligations 2,690 (190) 76,860 (17,602) 79,550 (17,792) Total available-for-sale securities $ 1,328,178 $ (105,511) $ 1,774,421 $ (421,617) $ 3,102,599 $ (527,128) (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime. As of December 31, 2021 Continuous unrealized Continuous unrealized Total (In thousands) Fair value Unrealized Fair value Unrealized Fair value Unrealized Available-for-sale securities U.S. Treasury $ — $ — $ — $ — $ — $ — U.S. government agencies — — — — — — Municipal 47,726 (200) 850 (17) 48,576 (217) Corporate notes: Financial issuers 23,855 (1,145) 45,539 (1,454) 69,394 (2,599) Other — — — — — — Mortgage-backed: (1) Mortgage-backed securities 742,743 (16,571) 221,350 (9,283) 964,093 (25,854) Collateralized mortgage obligations — — — — — — Total available-for-sale securities $ 814,324 $ (17,916) $ 267,739 $ (10,754) $ 1,082,063 $ (28,670) (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime. The Company conducts a regular assessment of its investment securities to determine whether securities are experiencing credit losses. Factors for consideration include the nature of the securities, credit ratings or financial condition of the issuer, the extent of the unrealized loss, expected cash flows, market conditions and the Company’s ability to hold the securities through the anticipated recovery period. The Company does not consider available-for-sale securities with unrealized losses at December 31, 2022 to be experiencing credit losses and recognized no resulting allowance for credit losses for such individually assessed credit losses. The Company does not intend to sell these investments and it is more likely than not that the Company will not be required to sell these investments before recovery of the amortized cost bases, which may be the maturity dates of the securities. The unrealized losses within each category have occurred as a result of changes in interest rates, market spreads and market conditions subsequent to purchase. Available-for-sale securities with continuous unrealized losses existing for more than twelve months at December 31, 2022 were primarily mortgage-backed securities with unrealized losses due to increased market rates during such period. See Note (5) “Allowance for Credit Losses” for further discussion regarding any credit losses associated with held-to-maturity securities at December 31, 2022. The following table provides information as to the amount of gross gains and losses, adjustments and impairment on investment securities recognized in earnings and proceeds received through the sale or call of investment securities: Years Ended December 31, (In thousands) 2022 2021 2020 Realized gains on investment securities $ 461 $ 1,252 $ 751 Realized losses on investment securities (22) (173) (530) Net realized gains on investment securities 439 1,079 221 Unrealized gains on equity securities with readily determinable fair value 1,154 2,688 4,265 Unrealized losses on equity securities with readily determinable fair value (9,862) (2,411) (3,818) Net unrealized (losses) gains on equity securities with readily determinable fair value (8,708) 277 447 Upward adjustments of equity securities without readily determinable fair values — — 401 Downward adjustments of equity securities without readily determinable fair values — — — Impairment of equity securities without readily determinable fair values (12,158) (2,415) (2,995) Adjustment and impairment, net, of equity securities without readily determinable fair values (12,158) (2,415) (2,594) Losses on investment securities, net $ (20,427) $ (1,059) $ (1,926) Proceeds from sales of available-for-sale securities (1) $ — $ 192,227 $ 502,250 Proceeds from sales of equity securities with readily determinable fair value 31,753 9,759 6,530 Proceeds from sales and capital distributions of equity securities without readily determinable fair value 1,330 2,685 1,857 (1) Includes proceeds from available-for-sale securities sold in accordance with written covered call options sold to a third party. Net losses on investment securities resulted in income tax benefit of $5.4 million, $282,000 and $513,000 in 2022, 2021 and 2020, respectively. The amortized cost and fair value of investment securities as of December 31, 2022 and December 31, 2021, by contractual maturity, are shown in the following table. Contractual maturities may differ from actual maturities as borrowers may have the right to call or repay obligations with or without call or prepayment penalties. Mortgage-backed securities are not included in the maturity categories in the following maturity summary as actual maturities may differ from contractual maturities because the underlying mortgages may be called or prepaid without penalties: December 31, 2022 December 31, 2021 (In thousands) Amortized Fair Value Amortized Fair Value Available-for-sale securities Due in one year or less $ 119,830 $ 119,275 $ 49,714 $ 49,822 Due in one to five years 63,644 61,701 72,382 73,850 Due in five to ten years 115,734 105,076 118,358 117,573 Due after ten years 64,590 57,478 69,200 72,560 Mortgage-backed 3,405,836 2,899,487 2,006,715 2,013,988 Total available-for-sale securities $ 3,769,634 $ 3,243,017 $ 2,316,369 $ 2,327,793 Held-to-maturity securities Due in one year or less $ 1,340 $ 1,332 $ 2,976 $ 2,992 Due in one to five years 94,705 89,093 79,422 79,705 Due in five to ten years 115,318 113,758 106,713 112,667 Due after ten years 365,510 288,460 222,522 221,358 Mortgage-backed 3,064,182 2,457,178 2,530,730 2,483,972 Total held-to-maturity securities $ 3,641,055 $ 2,949,821 $ 2,942,363 $ 2,900,694 Less: Allowance for credit losses (488) (78) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567 $ 2,942,285 At December 31, 2022 and December 31, 2021, securities having a carrying value of $2.8 billion and $2.6 billion, respectively, were pledged as collateral for public deposits, trust deposits, FHLB advances, securities sold under repurchase agreements and derivatives. At December 31, 2022, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity.

Loans

Loans	12 Months Ended
	Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
Loans	Loans The following table shows the Company’s loan portfolio by category as of the dates shown: (Dollars in thousands) December 31, 2022 December 31, 2021 Balance: Commercial $ 12,549,164 $ 11,904,068 Commercial real estate 9,950,947 8,990,286 Home equity 332,698 335,155 Residential real estate 2,372,383 1,637,099 Premium finance receivables—property & casualty 5,849,459 4,855,487 Premium finance receivables—life insurance 8,090,998 7,042,810 Consumer and other 50,836 24,199 Total loans, net of unearned income $ 39,196,485 $ 34,789,104 Mix: Commercial 32 % 34 % Commercial real estate 25 26 Home equity 1 1 Residential real estate 6 5 Premium finance receivables—property & casualty 15 14 Premium finance receivables—life insurance 21 20 Consumer and other 0 0 Total loans, net of unearned income 100 % 100 % The Company’s loan portfolio is generally comprised of loans to consumers and small to medium-sized businesses, which, for the commercial and commercial real estate portfolios, are located primarily within the geographic market areas that the banks serve. Various niche lending businesses, including lease finance and franchise lending, operate on a national level. The premium finance receivables portfolios are made to customers throughout the United States and Canada. The Company strives to maintain a loan portfolio that is diverse in terms of loan type, industry, borrower and geographic concentrations. Such diversification reduces the exposure to economic downturns that may occur in different segments of the economy or in different industries. Certain premium finance receivables are recorded net of unearned income. The unearned income portions of such premium finance receivables were $224.5 million and $135.5 million at December 31, 2022 and 2021, respectively. Total loans, excluding PCD loans, include net deferred loan fees and costs and fair value purchase accounting adjustments totaling $71.8 million at December 31, 2022 and $50.8 million at December 31, 2021. Certain real estate loans, including mortgage loans held-for-sale, commercial, consumer, and home equity loans with balances totaling approximately $8.2 billion and $8.0 billion at December 31, 2022 and 2021, respectively, were pledged as collateral to secure the availability of borrowings from certain federal agency banks. At December 31, 2022, approximately $7.8 billion of these pledged loans are included in a blanket pledge of qualifying loans to the FHLB. The remaining $409.1 million of pledged loans was used to secure potential borrowings at the FRB discount window. At December 31, 2022 and 2021, the banks had outstanding borrowings of $2.3 billion and $1.2 billion, respectively, from the FHLB in connection with these collateral arrangements. See Note (11) “Federal Home Loan Bank Advances” for a summary of these borrowings. It is the policy of the Company to review each prospective credit in order to determine the appropriateness and, when required, the adequacy of security or collateral necessary to obtain when making a loan. The type of collateral, when required, will vary from liquid assets to real estate. The Company seeks to assure access to collateral, in the event of default, through adherence to state lending laws and the Company’s credit monitoring procedures.

Allowance for Credit Losses

Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2022
Credit Loss [Abstract]
Allowance for Credit Losses	Allowance for Credit LossesIn accordance with ASC 326, the Company is required to measure the allowance for credit losses of financial assets with similar risk characteristics on a collective or pooled basis. In considering the segmentation of financial assets measured at amortized cost into pools, the Company considered various risk characteristics in its analysis. Generally, the segmentation utilized represents the level at which the Company develops and documents its systematic methodology to determine the allowance for credit losses for the financial asset held at amortized cost, specifically the Company’s loan portfolio and debt securities classified as held-to-maturity. Below is a summary of the Company’s loan portfolio segments and major debt security types: Commercial loans: The Company makes commercial loans for many purposes, including working capital lines and leasing arrangements, that are generally renewable annually and supported by business assets, personal guarantees and additional collateral. Underlying collateral includes receivables, inventory, enterprise value and the assets of the business. Commercial business lending is generally considered to involve a slightly higher degree of risk than traditional consumer bank lending. This portfolio includes a range of industries, including manufacturing, restaurants, franchise, professional services, equipment finance and leasing, mortgage warehouse lending and industrial. Individually assessed collateral dependent commercial loans are primarily collateralized by equipment and the enterprise value or assets of the specific business. Commercial real estate loans, including construction and development, and non-construction: The Company’s commercial real estate loans are generally secured by a first mortgage lien and assignment of rents on the underlying property (utilized in related assessment of individually assessed collateral dependent loans). Since most of the Company’s bank branches are located in the Chicago metropolitan area and southern Wisconsin, a significant portion of the Company’s commercial real estate loan portfolio is located in this region. As the risks and circumstances of such loans in construction phase vary from that of non-construction commercial real estate loans, the Company assesses the allowance for credit losses separately for these two segments. Home equity loans: The Company’s home equity loans and lines of credit are primarily originated by each of the bank subsidiaries in their local markets where there is a strong understanding of the underlying real estate value. The Company’s banks monitor and manage these loans, and conduct an automated review of all home equity lines of credit at least twice per year. This review collects FICO and Bankruptcy scores for each home equity borrower and identifies situations where the credit strength of the borrower is declining. When other specific events occur that may influence repayment, information such as tax liens or judgments is collected. The bank subsidiaries use this information to manage loans that may be higher risk and to determine whether to obtain additional credit information or updated property valuations. In a limited number of cases, the Company may issue home equity credit together with first mortgage financing, and requests for such financing are evaluated on a combined basis. Residential real estate loans, including early buy-out loans guaranteed by U.S. government agencies: The Company’s residential real estate portfolio includes one- to four-family adjustable rate mortgages, construction loans to individuals and bridge financing loans for qualifying customers as well as certain long-term fixed rate loans. The Company’s residential mortgages relate to properties located principally in the Chicago metropolitan area and southern Wisconsin or vacation homes owned by local residents. Due to interest rate risk considerations, the Company generally sells in the secondary market loans originated with long-term fixed rates, for which we receive fee income. The Company also selectively retains certain of these loans within the banks’ own loan portfolios where they are non-agency conforming, or where the terms of the loans make them favorable to retain. Since this loan portfolio consists primarily of locally originated loans, and since the majority of the borrowers are longer-term customers with lower LTV ratios, the Company may face a relatively low risk of borrower default and delinquency. Collateral dependent residential real estate loans that are individually assessed when measuring the allowance for credit losses are primarily collateralized by such one-to-four family properties noted above. It is not the Company’s current practice to underwrite, and there are no plans to underwrite subprime, Alt A, no or little documentation loans, or option ARM loans. Additionally, early buy-out loans guaranteed by U.S. government agencies include loans in which the Company is eligible or has exercised its option under the Government National Mortgage Association (“GNMA”) securitization program to repurchase certain delinquent mortgage loans. Such loans were previously transferred by the Company with servicing of such loans retained. Early buy-out loans are insured or guaranteed by the Federal Housing Administration (“FHA”) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. Premium finance receivables: The Company makes loans to businesses to finance the insurance premiums they pay on their property and casualty insurance policies. The loans are indirectly originated by working through independent medium and large insurance agents and brokers located throughout the United States and Canada. The insurance premiums financed are primarily for commercial customers’ purchases of liability, property and casualty and other commercial insurance. This lending involves relatively rapid turnover of the loan portfolio and high volume of loan originations. The Company performs ongoing credit and other reviews of the agents and brokers, and performs various internal audit steps to mitigate against the risk of any fraud. The Company also originates life insurance premium finance receivables. These loans are originated directly with the borrowers with assistance from life insurance carriers, independent insurance agents, financial advisors and legal counsel. The life insurance policy is the primary form of collateral. In addition, these loans often are secured with a letter of credit, marketable securities or certificates of deposit. In some cases, the Company may make a loan that has a partially unsecured position. Consumer and other loans: Included in the consumer and other loan category is a wide variety of personal and consumer loans to individuals. The Company originates consumer loans in order to provide a wider range of financial services to its customers. Consumer loans generally have shorter terms and higher interest rates than mortgage loans but generally involve more credit risk than mortgage loans due to the type and nature of the collateral. U.S. government agency securities: This security type includes debt obligations of certain government-sponsored entities of the U.S. government such as the Federal Home Loan Bank, Federal Agricultural Mortgage Corporation, Federal Farm Credit Banks Funding Corporation and Fannie Mae. Such securities often contain an explicit or implicit guarantee of the U.S. government. Municipal securities: The Company’s municipal securities portfolio includes bond issues for various municipal government entities located throughout the United States, including the Chicago metropolitan area and southern Wisconsin, some of which are privately placed and non-rated. Though the risk of loss is typically low, default history exists on municipal securities within the United States. Mortgage-backed securities : This security type includes debt obligations supported by pools of individual mortgage loans and issued by certain government-sponsored entities of the U.S. government such as Freddie Mac and Fannie Mae. Such securities are considered to contain an implicit guarantee of the U.S. government. Corporate notes : The Company’s corporate notes portfolio includes bond issues for various public companies representing a diversified population of industries. The risk of loss in this portfolio is considered low based on the characteristics of the investments. In accordance with ASC 326, the Company elected to not measure an allowance for credit losses on accrued interest. As such, accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. In addition, the Company elected to not include accrued interest within presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the Company’s financial statements. Accrued interest related to financial assets held at amortized cost is included within accrued interest receivable and other assets The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at December 31, 2022 and 2021. As of December 31, 2022 (In thousands) Nonaccrual 90+ days 60-89 30-59 Current Total Loans Loan Balances (includes PCD): Commercial $ 35,579 $ 462 $ 21,128 $ 56,696 $ 12,435,299 $ 12,549,164 Commercial real estate: Construction and development 416 — 361 14,390 1,471,763 1,486,930 Non-construction 5,971 — 1,883 16,285 8,439,878 8,464,017 Home equity 1,487 — — 2,152 329,059 332,698 Residential real estate loans, excluding early buy-out loans 10,171 — 4,364 9,982 2,183,078 2,207,595 Premium finance receivables Property & casualty insurance loans 13,470 15,841 14,926 40,557 5,764,665 5,849,459 Life insurance loans — 17,245 5,260 68,725 7,999,768 8,090,998 Consumer and other 6 49 18 224 50,539 50,836 Total loans, net of unearned income, excluding early buy-out loans $ 67,100 $ 33,597 $ 47,940 $ 209,011 $ 38,674,049 $ 39,031,697 Early buy-out loans guaranteed by U.S. government agencies (1) 31,279 47,450 984 1,584 83,491 164,788 Total loans, net of unearned income $ 98,379 $ 81,047 $ 48,924 $ 210,595 $ 38,757,540 $ 39,196,485 As of December 31, 2021 (In thousands) Nonaccrual 90+ days 60-89 30-59 Current Total Loans Loan Balances (includes PCD): Commercial $ 20,399 $ 15 $ 24,262 $ 43,861 $ 11,815,531 $ 11,904,068 Commercial real estate Construction and development 1,377 — — 2,809 1,352,018 1,356,204 Non-construction 20,369 — 284 37,634 7,575,795 7,634,082 Home equity 2,574 — — 1,120 331,461 335,155 Residential real estate loans, excluding early buy-out loans 16,440 — 982 12,145 1,576,704 1,606,271 Premium finance receivables Property & casualty insurance loans 5,433 7,210 15,490 22,419 4,804,935 4,855,487 Life insurance loans — 7 12,614 66,651 6,963,538 7,042,810 Consumer and other 477 137 34 509 23,042 24,199 Total loans, net of unearned income, excluding early buy-out loans $ 67,069 $ 7,369 $ 53,666 $ 187,148 $ 34,443,024 $ 34,758,276 Early buy-out loans guaranteed by U.S. government agencies (1) — — — 275 30,553 30,828 Total loans, net of unearned income $ 67,069 $ 7,369 $ 53,666 $ 187,423 $ 34,473,577 $ 34,789,104 (1) Early buy-out loans are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. Credit Quality Indicators Credit quality indicators, specifically the Company’s internal risk rating systems, reflect how the Company monitors credit losses and represents factors used by the Company when measuring the allowance for credit losses. The following discusses the Company’s credit quality indicators by financial asset. Loan portfolios The Company’s ability to manage credit risk depends in large part on its ability to properly identify and manage problem loans. To do so, the Company operates a credit risk rating system under which credit management personnel assign a credit risk rating (1 to 10 rating, with higher scores indicating higher risk) to each loan at the time of origination and review loans on a regular basis. For loans measured at amortized cost, these credit risk ratings are also an important aspect of the Company’s allowance for credit losses measurement methodology. The credit risk rating structure and classifications are shown below: Pass (risk rating 1 to 5): Based on various factors (liquidity, leverage, etc.), the Company believes asset quality is acceptable and is deemed to not require additional monitoring by the Company. Special mention (risk rating 6): Assets in this category are currently protected, potentially weak, but not to the point of substandard classification. Loss potential is moderate if corrective action is not taken. Substandard accrual (risk rating 7): Assets in this category have well defined weaknesses that jeopardize the liquidation of the debt. Loss potential is distinct but with no discernible impairment. Substandard nonaccrual/doubtful (risk rating 8 and 9): Assets have all the weaknesses in those classified “substandard accrual” with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of current existing facts, conditions, and values, improbable. Loss/fully charged-off (risk rating 10): Assets in this category are considered fully uncollectible. As such, these assets have no carrying balance on the Company's Consolidated Statements of Condition. Early buy-out loans guaranteed by U.S. government agencies : These loans are measured at fair value and thus excluded from the measurement of the allowance for credit losses. Credit risk rating assigned to such loans are considered in the measurement of fair value as well as related guarantees provided by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. Generally, each loan officer is responsible for monitoring his or her loan portfolio, recommending a credit risk rating for each loan in his or her portfolio and ensuring the credit risk ratings are appropriate. These credit risk ratings are then ratified by the bank’s chief credit officer and/or concurrence credit officer. Credit risk ratings are determined by evaluating a number of factors including: a borrower’s financial strength, cash flow coverage, collateral protection and guarantees. The Company’s Problem Loan Reporting system includes all such loans described above with credit risk ratings of 6 through 9. This system is designed to provide an on-going detailed tracking mechanism for each problem loan. Once management determines that a loan has deteriorated to a point where it has a credit risk rating of 6 or worse, the Company’s Managed Asset Division performs an overall credit and collateral review. As part of this review, all underlying collateral is identified and the valuation methodology is analyzed and tracked. As a result of this initial review by the Company’s Managed Asset Division, the credit risk rating is reviewed and a portion of the outstanding loan balance may be deemed uncollectible and, as a result, no longer share similar risk characteristics as its related pool. If that is the case, the individual loan is considered collateral dependent and individually assessed for an allowance for credit loss. The Company’s individual assessment utilizes an independent re-appraisal of the collateral (unless such a third-party evaluation is not possible due to the unique nature of the collateral, such as a closely-held business or thinly traded securities). In the case of commercial real estate collateral, an independent third party appraisal is ordered by the Company’s Real Estate Services Group to determine if there has been any change in the underlying collateral value. These independent appraisals are reviewed by the Real Estate Services Group and sometimes by independent third party valuation experts and may be adjusted depending upon market conditions. Through the credit risk rating process, such loans are reviewed to determine if they are performing in accordance with the original contractual terms. If the borrower has failed to comply with the original contractual terms, further action may be required by the Company, including a downgrade in the credit risk rating, movement to non-accrual status or a charge-off. If the Company determines that a loan amount or portion thereof is uncollectible, the loan’s credit risk rating is immediately downgraded to an 8 or 9 and the uncollectible amount is charged-off. Any loan that has a partial charge-off continues to be assigned a credit risk rating of an 8 or 9 for the duration of time that a balance remains outstanding. The Company undertakes a thorough and ongoing analysis to determine if additional impairment and/or charge-offs are appropriate and to begin a workout plan for the credit to minimize actual losses. In determining the appropriate charge-off for collateral-dependent loans, the Company considers the results of appraisals for the associated collateral. The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at December 31, 2022: As of December 31, 2022 Year of Origination Revolving Total (In thousands) 2022 2021 2020 2019 2018 Prior Revolving to Term Loans Loan Balances: Commercial, industrial and other Pass $ 2,740,821 $ 2,314,421 $ 1,064,680 $ 631,670 $ 460,898 $ 847,955 $ 3,999,401 $ 42,699 $ 12,102,545 Special mention 6,780 71,263 10,279 27,533 36,874 17,972 85,813 1,232 257,746 Substandard accrual 13,560 42,091 26,252 17,104 5,078 2,902 46,297 10 153,294 Substandard nonaccrual/doubtful 574 5,958 2,278 25,481 197 1,091 — — 35,579 Total commercial, industrial and other $ 2,761,735 $ 2,433,733 $ 1,103,489 $ 701,788 $ 503,047 $ 869,920 $ 4,131,511 $ 43,941 $ 12,549,164 Construction and development Pass $ 413,322 $ 470,162 $ 261,173 $ 124,818 $ 36,591 $ 90,294 $ 12,000 $ — $ 1,408,360 Special mention — 517 14,341 23,312 16,778 82 — — 55,030 Substandard accrual 2,132 — 8,355 — 100 12,537 — — 23,124 Substandard nonaccrual/doubtful — — — — — 416 — — 416 Total construction and development $ 415,454 $ 470,679 $ 283,869 $ 148,130 $ 53,469 $ 103,329 $ 12,000 $ — $ 1,486,930 Non-construction Pass $ 1,908,428 $ 1,530,812 $ 1,045,330 $ 851,041 $ 589,268 $ 2,149,357 $ 181,096 $ 19,790 $ 8,275,122 Special mention 5,114 12,556 6,377 18,225 31,849 41,236 — — 115,357 Substandard accrual — — 832 8,507 23,330 34,898 — — 67,567 Substandard nonaccrual/doubtful — — — — 349 5,622 — — 5,971 Total non-construction $ 1,913,542 $ 1,543,368 $ 1,052,539 $ 877,773 $ 644,796 $ 2,231,113 $ 181,096 $ 19,790 $ 8,464,017 Home equity Pass $ 198 $ — $ — $ 56 $ — $ 5,445 $ 312,183 $ — $ 317,882 Special mention — 1 — — 255 991 2,598 148 3,993 Substandard accrual — — — — — 7,530 910 896 9,336 Substandard nonaccrual/doubtful — — 118 18 — 1,251 100 — 1,487 Total home equity $ 198 $ 1 $ 118 $ 74 $ 255 $ 15,217 $ 315,791 $ 1,044 $ 332,698 Residential real estate Early buy-out loans guaranteed by U.S. government agencies $ — $ 901 $ 9,424 $ 21,662 $ 19,700 $ 113,101 $ — $ — $ 164,788 Pass 787,652 835,672 228,945 120,596 49,710 150,024 — — 2,172,599 Special mention 3,523 1,720 2,100 1,602 1,897 5,247 — — 16,089 Substandard accrual 1,214 1,981 1,111 149 428 3,853 — — 8,736 Substandard nonaccrual/doubtful 112 416 767 2,176 1,269 5,431 — — 10,171 Total residential real estate $ 792,501 $ 840,690 $ 242,347 $ 146,185 $ 73,004 $ 277,656 $ — $ — $ 2,372,383 Premium finance receivables - property & casualty Pass $ 5,682,665 $ 55,275 $ 6,833 $ 1,707 $ — $ — $ — $ — $ 5,746,480 Special mention 84,728 462 25 — — — — — 85,215 Substandard accrual 3,965 329 — — — — — — 4,294 Substandard nonaccrual/doubtful 10,798 2,621 51 — — — — — 13,470 Total premium finance receivables - property & casualty $ 5,782,156 $ 58,687 $ 6,909 $ 1,707 $ — $ — $ — $ — $ 5,849,459 Premium finance receivables - life Pass $ 510,675 $ 779,057 $ 1,055,247 $ 931,276 $ 726,763 $ 4,080,764 $ — $ — $ 8,083,782 Special mention — 4,999 — — — 2,217 — — 7,216 Substandard accrual — — — — — — — — — Substandard nonaccrual/doubtful — — — — — — — — — Total premium finance receivables - life $ 510,675 $ 784,056 $ 1,055,247 $ 931,276 $ 726,763 $ 4,082,981 $ — $ — $ 8,090,998 Consumer and other Pass $ 2,921 $ 1,592 $ 252 $ 481 $ 388 $ 12,407 $ 32,566 $ — $ 50,607 Special mention 10 2 — 3 — 135 3 — 153 Substandard accrual 17 1 — — — 43 9 — 70 Substandard nonaccrual/doubtful — 6 — — — — — — 6 Total consumer and other $ 2,948 $ 1,601 $ 252 $ 484 $ 388 $ 12,585 $ 32,578 $ — $ 50,836 Total loans Early buy-out loans guaranteed by U.S. government agencies $ — $ 901 $ 9,424 $ 21,662 $ 19,700 $ 113,101 $ — $ — $ 164,788 Pass 12,046,682 5,986,991 3,662,460 2,661,645 1,863,618 7,336,246 4,537,246 62,489 38,157,377 Special mention 100,155 91,520 33,122 70,675 87,653 67,880 88,414 1,380 540,799 Substandard accrual 20,888 44,402 36,550 25,760 28,936 61,763 47,216 906 266,421 Substandard nonaccrual/doubtful 11,484 9,001 3,214 27,675 1,815 13,811 100 — 67,100 Total loans $ 12,179,209 $ 6,132,815 $ 3,744,770 $ 2,807,417 $ 2,001,722 $ 7,592,801 $ 4,672,976 $ 64,775 $ 39,196,485 Held-to-maturity debt securities The Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio as discussed above. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management. As of December 31, 2022 Year of Origination Total (In thousands) 2022 2021 2020 2019 2018 Prior Balance Amortized Cost Balances: U.S. government agencies 1-4 internal grade $ 160,000 $ 147,802 $ 25,000 $ 4,000 $ — $ 2,812 $ 339,614 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total U.S. government agencies $ 160,000 $ 147,802 $ 25,000 $ 4,000 $ — $ 2,812 $ 339,614 Municipal 1-4 internal grade $ 1,045 $ 7,001 $ 269 $ 159 $ 7,401 $ 163,153 $ 179,027 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total municipal $ 1,045 $ 7,001 $ 269 $ 159 $ 7,401 $ 163,153 $ 179,027 Mortgage-backed securities 1-4 internal grade $ 616,478 $ 2,447,704 $ — $ — $ — $ — $ 3,064,182 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total mortgage-backed securities $ 616,478 $ 2,447,704 $ — $ — $ — $ — $ 3,064,182 Corporate notes 1-4 internal grade $ 14,963 $ — $ 6,010 $ 7,312 $ 3,182 $ 26,765 $ 58,232 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total corporate notes $ 14,963 $ — $ 6,010 $ 7,312 $ 3,182 $ 26,765 $ 58,232 Total held-to-maturity securities $ 3,641,055 Less: Allowance for credit losses (488) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567 Measurement of Allowance for Credit Losses The Company’s allowance for credit losses consists of the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity debt security losses. In accordance with ASC 326, the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. When developing its estimate, the Company considers available information relevant to assessing the collectability of cash flows, from both internal and external sources. Historical credit loss experience is one input in the estimation process as well as inputs relevant to current conditions and reasonable and supportable forecasts. In considering past events, the Company considers the relevance, or lack thereof, of historical information due to changes in such things as financial asset underwriting or collection practices, and changes in portfolio mix due to changing business plans and strategies. In considering current conditions and forecasts, the Company considers both the current economic environment and the forecasted direction of the economic environment with emphasis on those factors deemed relevant to or driving changes in expected credit losses. As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company’s executive management. December 31, December 31, (In thousands) 2022 2021 Allowance for loan losses $ 270,173 $ 247,835 Allowance for unfunded lending-related commitments losses 87,275 51,818 Allowance for loan losses and unfunded lending-related commitments losses 357,448 299,653 Allowance for held-to-maturity securities losses 488 78 Allowance for credit losses $ 357,936 $ 299,731 The allowance for credit losses is measured on a collective or pooled basis when similar risk characteristics exist, based upon the segmentation discussed above. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool, including methodologies estimating the probability of default and loss given default on specific segments. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company on a quantitative or qualitative basis and incorporates third party economic forecasts. Reasonable and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company’s financial assets. Currently, the Company utilizes an eight quarter forecast period using Moody’s baseline scenario from November 2022, which is reviewed within the Company’s governance structure. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates at an input level, straight-line over a four quarter reversion period. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are only considered when either (1) the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancelable, or (2) the expected extension, renewal or modification is reasonably expected to result in a TDR. The methodologies discussed above are applied to both current asset balances on the Company’s Consolidated Statements of Condition and off-balance sheet commitments (i.e. unfunded lending-related commitments). Assets that do not share similar risk characteristics with a pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including assets rated as substandard nonaccrual and doubtful as well as assets currently classified or expected to be classified as TDRs. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. Underlying collateral across the Company’s segments consist primarily of real estate, land and construction assets as well as general business assets of the borrower. As of December 31, 2022, excluding loans carried at fair value, substandard nonaccrual and doubtful loans totaling $21.1 million in carrying balance had no related allowance for credit losses. For certain accruing current and expected TDRs, expected credit losses are measured based upon the present value of future cash flows of the modified asset terms compared to the amortized cost of the asset. As of December 31, 2022, there were no loans identified as being reasonably expected to be modified into TDRs in the future. The Company does not measure an allowance for credit losses on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when assets are placed on nonaccrual status. A summary of the activity in the allowance for credit losses by loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses) for the years ended December 31, 2022 and 2021 is as follows: Year Ended December 31, 2022 (In thousands) Commercial Commercial Home Residential Premium Consumer Total Allowance for credit losses at beginning of period $ 119,307 $ 144,583 $ 10,699 $ 8,782 $ 15,859 $ 423 299,653 Other adjustments — — — — (108) — (108) Charge-offs (14,141) (1,379) (432) (471) (14,275) (1,081) (31,779) Recoveries 4,748 701 319 77 5,522 136 11,503 Provision for credit losses 32,855 40,447 (3,013) 3,197 3,673 1,020 78,179 Allowance for credit losses at period end $ 142,769 $ 184,352 $ 7,573 $ 11,585 $ 10,671 $ 498 $ 357,448 By measurement method: Individually evaluated for impairment $ 5,973 $ 61 $ 50 $ 715 $ — $ — $ 6,799 Collectively evaluated for impairment 136,796 184,291 7,523 10,870 10,671 498 350,649 Loans at period end: Individually evaluated for impairment $ 38,042 $ 21,435 $ 10,351 $ 20,300 $ — $ 69 $ 90,197 Collectively evaluated for impairment 12,511,122 9,929,512 322,347 2,172,151 13,940,457 50,767 38,926,356 Loans held at fair value — — — 179,932 — — 179,932 Year Ended December 31, 2021 (In thousands) Commercial Commercial Home Residential Premium Consumer Total Allowance for credit losses at beginning of period $ 94,212 $ 243,603 $ 11,437 $ 12,459 $ 17,777 $ 422 $ 379,910 Initial allowance for credit losses recognized on PCD assets acquired during the period (1) 470 — — — — — 470 Other adjustments — — — — 3 — 3 Charge-offs (20,801) (3,293) (336) (1,082) (9,020) (487) (35,019) Recoveries 2,559 1,304 1,203 330 7,989 184 13,569 Provision for credit losses 42,867 (97,031) (1,605) (2,925) (890) 304 (59,280) Allowance for credit losses at period end $ 119,307 $ 144,583 $ 10,699 $ 8,782 $ 15,859 $ 423 $ 299,653 By measurement method: Individually evaluated for impairment $ 5,196 $ 2,237 $ 192 $ 899 $ — $ 28 $ 8,552 Collectively evaluated for impairment 114,111 142,346 10,507 7,883 15,859 395 291,101 Loans at period end: Individually evaluated for impairment $ 24,530 $ 30,167 $ 14,656 $ 23,306 $ — $ 611 $ 93,270 Collectively evaluated for impairment 11,879,538 8,960,119 320,499 1,575,195 11,898,297 23,588 34,657,236 Loan held at fair value — — — 38,598 — — 38,598 (1) The initial allowance for credit losses on PCD loans acquired during 2021 measured approximately $2.8 million, of which $2.3 million was charged off related to PCD loans that met the Company’s charge-off policy at the time of acquisition. After considering these loans that were immediately charged off, the net impact of PCD allowance for credit losses at the acquisition date was approximately $470,000. For the year ending December 31, 2022, the Company recognized an approximately $78.2 million provision for credit losses related to loans and lending agreements, including an approximately $40.4 million provision for credit losses related to the commercial real estate portfolio. The increased provision was primarily the result of changes in the macroeconomic forecast, specifically the Company’s macroeconomic forecasts of key model inputs (most notably, Commercial Real Estate Price Index primarily impacting the commercial real estate portfolio and Baa corporate credit spreads) as well as growth experienced by the Company in 2022 in various loan portfolios. While uncertainties remain regarding expected economic performance, macroeconomic forecasts as of December 31, 2022 assume that the impact of those uncertainties is more severe compared to that assumed at December 31, 2021. Other key drivers of provision for credit losses in these portfolios include, but are not limited to, positive loan risk rating migration and net charge-offs in 2022 totaled $20.3 million. Held-to-maturity debt securities The allowance for credit losses on the Company’s held-to-maturity debt securities is presented as

Mortgage Servicing Rights ("MSR

Mortgage Servicing Rights ("MSRs")	12 Months Ended
	Dec. 31, 2022
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Mortgage Servicing Rights ("MSRs")	Mortgage Servicing Rights (“MSRs”) Following is a summary of the changes in the carrying value of MSRs, accounted for at fair value, for the years ended December 31, 2022, 2021 and 2020: December 31, December 31, December 31, (In thousands) 2022 2021 2020 Fair value at beginning of year $ 147,571 $ 92,081 $ 85,638 Additions from loans sold with servicing retained 46,221 72,754 71,077 Estimate of changes in fair value due to: Early buyout options (“EBO”) exercised (176) (749) (1,291) Payoffs and paydowns (23,455) (34,788) (32,579) Changes in valuation inputs or assumptions 60,064 18,273 (30,764) Fair value at end of year $ 230,225 $ 147,571 $ 92,081 Unpaid principal balance of mortgage loans serviced for others $ 14,052,596 $ 13,126,254 $ 10,833,135 The Company recognizes MSR assets upon the sale of residential real estate loans to external third parties when it retains the obligation to service the loans and the servicing fee is more than adequate compensation. The initial recognition of MSR assets from loans sold with servicing retained and subsequent changes in fair value of all MSRs are recognized in mortgage banking revenue. MSRs are subject to changes in value from actual and expected prepayment of the underlying loans. The estimation of fair value related to MSRs is partly impacted by the Company exercising its EBO on eligible loans previously sold to the Government National Mortgage Association (“GNMA”). Under such optional repurchase program, financial institutions acting as servicers are allowed to buy back from the securitized loan pool individual delinquent mortgage loans meeting certain criteria for which the institution was the original transferor of such loans. At the option of the servicer and without prior authorization from GNMA, the servicer may repurchase such delinquent loans for an amount equal to the remaining principal balance of the loan. At the time of such repurchase, any MSR value related to such loans is derecognized. The MSR asset fair value is determined by using a discounted cash flow model that incorporates the objective characteristics of the portfolio as well as subjective valuation parameters that purchasers of servicing would apply to such portfolios sold into the secondary market. The subjective factors include loan prepayment speeds, discount rates, servicing costs and other economic factors. The Company uses a third party to assist in the valuation of MSRs. Periodically the Company will purchase options for the right to purchase securities not currently held within the banks’ investment portfolios or enter into interest rate swaps in which the Company elects to not designate such derivatives as hedging instruments. These option and swap transactions are designed primarily to economically hedge a portion of the fair value adjustments related to the Company’s MSRs. The gain or loss associated with these derivative contracts is included in mortgage banking revenue. For more information regarding these hedges outstanding as of December 31, 2022, see Note (21) “Derivative Financial Instruments” in Item 8 of this report. There were no such options or swaps outstanding as of December 31, 2021.

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2022
Business Combination and Asset Acquisition [Abstract]
Business Combinations	Business Combinations On November 15, 2021, the Company completed its acquisition of certain assets from The Allstate Corporation (“Allstate”). Through this business combination, the Company acquired approximately $581.6 million of loans, net of allowance for credit losses measured on the acquisition date. The loan portfolio was comprised of approximately 1,800 loans to Allstate agents nationally. In addition to acquiring the loans, the Company became the national preferred provider of loans to Allstate agents. In connection with the loan acquisition, a team of Allstate agency lending specialists joined the Company to augment and expand Wintrust’s existing insurance agency finance business. As the transaction was determined to be a business combination, the Company recorded goodwill of approximately $9.3 million on the purchase.

Goodwill and Other Acquisition-

Goodwill and Other Acquisition-Related Intangible Assets	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Acquisition-Related Intangible Assets	Goodwill and Other Acquisition-Related Intangible Assets A summary of the Company’s goodwill assets by business segment is presented in the following table: (In thousands) January 1, Goodwill Impairment Goodwill Adjustments December 31, 2022 Community banking $ 545,671 $ — $ — $ — $ 545,671 Specialty finance 40,105 — — (1,625) 38,480 Wealth management 69,373 — — — 69,373 Total $ 655,149 $ — $ — $ (1,625) $ 653,524 The specialty finance segment’s goodwill decreased $1.6 million in 2022 as a result of foreign currency translation adjustments related to prior Canadian acquisitions. The Company assesses each reporting unit’s goodwill for impairment on at least an annual basis and considers potential indicators of impairment at each reporting date between annual goodwill impairment tests. At October 1, 2022, the Company utilized a qualitative approach for its annual goodwill impairment tests of the banking, specialty finance and wealth management reporting units and determined that no impairment existed at that time. At each reporting date between annual goodwill impairment tests, the Company considers potential indicators of impairment. The Company assessed whether events and circumstances as of each reporting date in 2022 resulted in it being more likely than not that the fair value of any reporting unit was less than its carrying value. Potential impairment indicators considered include the condition of the economy and banking industry; government intervention and regulatory updates; the impact of recent events to financial performance and cost factors of the reporting units; performance of the Company’s stock and other relevant events. As of December 31, 2022, the Company identified no indicators of goodwill impairment subsequent to its analysis as of October 1, 2022 within the community banking, specialty finance or wealth management reporting units and the Company determined it was more likely than not that the fair value of all reporting units exceeded the respective carrying value of such reporting unit. A summary of acquisition-related intangible assets as of the dates shown and the expected amortization of finite-lived acquisition-related intangible assets as of December 31, 2022 is as follows: December 31, (In thousands) 2022 2021 Community banking segment: Core deposit intangibles with finite lives: Gross carrying amount $ 55,206 $ 55,206 Accumulated amortization (42,501) (38,067) Net carrying amount $ 12,705 $ 17,139 Trademark with indefinite lives: Carrying amount 5,800 5,800 Total net carrying amount $ 18,505 $ 22,939 Specialty finance segment: Customer list intangibles with finite lives: Gross carrying amount $ 1,962 $ 1,967 Accumulated amortization (1,785) (1,721) Net carrying amount $ 177 $ 246 Wealth management segment: Customer list and other intangibles with finite lives: Gross carrying amount $ 20,430 $ 20,430 Accumulated amortization (16,926) (15,308) Net carrying amount $ 3,504 $ 5,122 Total acquisition-related intangible assets: Gross carrying amount $ 83,398 $ 83,403 Accumulated amortization (61,212) (55,096) Total acquisition-related intangible assets, net $ 22,186 $ 28,307 Estimated amortization for the year-ended: 2023 $ 4,658 2024 3,259 2025 2,552 2026 1,954 2027 1,449 The core deposit intangibles recognized in connection with prior bank acquisitions are amortized over a ten-year period on an accelerated basis. The customer list intangibles recognized in connection with the purchase of life insurance premium finance assets in 2009 are being amortized over an 18-year period on an accelerated basis. The customer list and other intangibles recognized in connection with prior acquisitions within the wealth management segment are being amortized over a period of up to ten-years on a straight-line basis. Indefinite-lived intangible assets consist of certain trade and domain names recognized in connection with the acquisition of certain assets of Veterans First Mortgage in 2018. As indefinite-lived intangible assets are not amortized, the Company assesses impairment on at least an annual basis. Total amortization expense associated with finite-lived intangibles in 2022, 2021 and 2020 was $6.1 million, $7.7 million and $11.0 million, respectively.

Premises, Software and Equipmen

Premises, Software and Equipment, Net	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Premises, Software and Equipment, Net	Premises, Software and Equipment, Net A summary of premises, software and equipment at December 31, 2022 and 2021 is as follows: December 31, (In thousands) 2022 2021 Land $ 166,707 $ 168,057 Buildings and leasehold improvements 674,887 667,680 Furniture, equipment and computer software 307,468 329,314 Construction in progress 27,498 17,742 $ 1,176,560 $ 1,182,793 Less: Accumulated depreciation and amortization 411,762 416,388 Total premises, software, and equipment, net $ 764,798 $ 766,405 Depreciation and amortization expense related to premises, software and equipment totaled $53.1 million in 2022, $54.0 million in 2021 and $46.4 million in 2020.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	Deposits The following is a summary of deposits at December 31, 2022 and 2021: (Dollars in thousands) 2022 2021 Balance: Non-interest bearing $ 12,668,160 $ 14,179,980 NOW and interest-bearing demand deposits 5,591,986 4,646,944 Wealth management deposits 2,463,833 2,612,759 Money market 12,886,795 12,840,432 Savings 4,556,635 3,846,681 Time certificates of deposit 4,735,135 3,968,789 Total deposits $ 42,902,544 $ 42,095,585 Mix: Non-interest bearing 30 % 34 % NOW and interest-bearing demand deposits 13 11 Wealth management deposits 5 6 Money market 30 31 Savings 11 9 Time certificates of deposit 11 9 Total deposits 100 % 100 % Wealth management deposits represent deposit balances (primarily money market accounts) at the Company’s subsidiary banks from brokerage customers of Wintrust Investments, CDEC and trust and asset management customers of the Company. The scheduled maturities of time certificates of deposit at December 31, 2022 and 2021 are as follows: (In thousands) 2022 2021 Due within one year $ 3,627,816 $ 2,810,669 Due in one to two years 887,886 899,765 Due in two to three years 193,581 225,733 Due in three to four years 13,431 18,081 Due in four to five years 12,319 14,286 Due after five years 102 255 Total time certificate of deposits $ 4,735,135 $ 3,968,789 The following table sets forth the scheduled maturities of uninsured deposits, specifically the portion of deposit balances in excess of the FDIC insurance limit of $250,000, at December 31, 2022 and 2021: (In thousands) 2022 2021 Maturing within three months $ 518,457 $ 140,250 After three but within six months 421,242 100,324 After six but within 12 months 232,120 137,400 After 12 months 165,353 173,527 Total $ 1,337,172 $ 551,501 Time deposits in denominations of $250,000 or more were $2.0 billion and $1.2 billion at December 31, 2022 and 2021, respectively.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2022
Advance from Federal Home Loan Bank [Abstract]
Federal Home Loan Bank Advances	Federal Home Loan Bank Advances A summary of the outstanding FHLB advances at December 31, 2022 and 2021, is as follows: (In thousands) 2022 2021 0.00% advance due May 2022 $ — $ 75,000 4.31% advance due January 2023 290,000 — 0.00% advance due April 2024 442 442 2.98% advance due August 2024 25,000 25,000 0.00% advance due April 2026 629 629 2.05% variable-rate advance due January 2028 — 100,000 2.18% advance due February 2029 — 440,000 1.36% advance due December 2029 — 100,000 1.11% advance due February 2030 — 500,000 1.76% advance due August 2032 250,000 — 1.93% advance due August 2032 250,000 — 2.81% advance due September 2032 500,000 — 3.08% advance due September 2032 500,000 — 2.96% advance due December 2032 250,000 — 2.98% advance due December 2032 250,000 — Total FHLB advances $ 2,316,071 $ 1,241,071 FHLB advances consist of obligations of the banks and are collateralized by qualifying commercial and residential real estate and home equity loans and certain securities. The banks have arrangements with the FHLB whereby, based on available collateral, they could have borrowed an additional $2.1 billion at December 31, 2022. FHLB advances are stated at par value of the debt adjusted for unamortized prepayment fees paid at the time of prior restructurings of FHLB advances and unamortized fair value adjustments recorded in connection with advances acquired through acquisitions and debt issuance costs. Unamortized prepayment fees are amortized as an adjustment to interest expense using the effective interest method.

Subordinated Notes

Subordinated Notes	12 Months Ended
	Dec. 31, 2022
Subordinated Borrowings [Abstract]
Subordinated Notes	Subordinated NotesAt December 31, 2022, the Company had outstanding subordinated notes totaling $437.4 million compared to $436.9 million at December 31, 2021. In 2019, the Company issued $300.0 million of subordinated notes receiving $296.7 million in proceeds, net of underwriting discount. The notes have a stated interest rate of 4.85% and mature in June 2029. In 2014, the Company issued $140.0 million of subordinated notes receiving $139.1 million in proceeds, net of underwriting discount. The notes have a stated interest rate of 5.00% and mature in June 2024. In connection with the issuance of subordinated notes in 2019 and 2014, the Company incurred costs totaling $3.3 million and $1.3 million, respectively. These costs are a direct deduction from the carrying amount of the subordinated notes and are amortized to interest expense using the effective interest method. At December 31, 2022, the unamortized balances of costs for both issuances were approximately $2.6 million. These subordinated notes qualify as Tier II capital under the regulatory capital requirements, subject to restrictions.

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Other Borrowings	Other Borrowings The following is a summary of other borrowings at December 31, 2022 and 2021: (In thousands) 2022 2021 Notes payable $ 199,793 $ 80,319 Short-term borrowings 17,612 9,198 Other 61,267 63,292 Secured borrowings 317,942 341,327 Total other borrowings $ 596,614 $ 494,136 Notes Payable On September 18, 2018, the Company entered into a credit agreement (as amended, the “Credit Agreement”) with certain unaffiliated banks. The Credit Agreement consisted of a $150.0 million term loan facility and a $100.0 million revolving credit facility. On December 12, 2022, the Company entered into an amendment and restatement of the Credit Agreement pursuant to the Amended and Restated Credit Agreement dated as of December 12, 2022, among the Company and the unaffiliated banks named therein as lenders and agents (the “Amended and Restated Credit Agreement”). In connection with the entry into the Amended and Restated Credit Agreement, the outstanding term loan under the existing Credit Agreement was paid in full pursuant to the terms thereof. The Amended and Restated Credit Agreement provides for, among other things, an increase to the term loan facility to $200.0 million, an extension of the maturity date for the revolving credit facility to December 11, 2023, and an extension of the maturity date for the term loan facility to December 12, 2027. The Amended and Restated Credit Agreement also provides for certain administrative changes and the modification of certain financial covenants that must be met by the Company for so long as any amounts or commitments under the Amended and Restated Credit Agreement are still outstanding. Borrowings under the Amended and Restated Credit Agreement that are considered “Base Rate Loans” bear interest at a rate equal to the sum of (1) 75 basis points plus (2) the highest of (a) the prime rate, (b) the federal funds rate plus 50 basis points, and (c) Term SOFR for a one-month tenor in effect on such day plus 110 basis points. Borrowings under the Amended and Restated Credit Agreement that are considered “Term SOFR Loans” bear interest at a rate equal to the sum of (1) 160 basis points plus (2) Term SOFR for the applicable interested period. A commitment fee is payable quarterly in arrears in an amount equal to 0.30% of the actual daily amount by which the lenders’ commitments under the revolving credit facility exceeded the amount outstanding under such facility. The Company is required to make monthly or quarterly (as applicable) payments of interest in respect of all loans under the Amended and Restated Credit Agreement, and quarterly payments of principal in respect of the loans under the term loan facility. Borrowings under the Amended and Restated Credit Agreement are secured by pledges of and first priority perfected security interests in the Company’s equity interest in its bank subsidiaries and contain several restrictive covenants, including the maintenance of various capital adequacy levels, asset quality and profitability ratios, and certain restrictions on dividends and other indebtedness. As of December 31, 2022, the Company was in compliance with all such covenants. The term loan facility and revolving credit facility under the Amended and Restated Credit Agreement are available to be utilized, as needed, to provide capital to fund continued growth at the Company’s banks and to serve as an interim source of funds for acquisitions, common stock repurchases or other general corporate purposes. The term debt facility is stated at par of the current outstanding balance of the debt adjusted for unamortized costs paid by the Company in relation to the debt issuance. Unamortized costs paid by the Company in relation to the issuance of the revolving credit facility are classified in other assets on the Consolidated Statements of Condition. As of December 31, 2022, the outstanding principal balance under the term loan facility was $199.8 million and there was no outstanding principal balance under the revolving credit facility. Short-term Borrowings Short-term borrowings include securities sold under repurchase agreements of customer sweep accounts in connection with master repurchase agreements at the banks. These borrowings totaled $17.6 million and $9.2 million at December 31, 2022 and 2021, respectively. The Company records securities sold under repurchase agreements at their gross value and does not offset positions on the Consolidated Statements of Condition. As of December 31, 2022, the Company had pledged securities related to its customer balances in sweep accounts of $173.0 million. Securities pledged for customer balances in sweep accounts and short-term borrowings from brokers are maintained under the Company’s control and consist of mortgage-backed securities. These securities are included in the available-for-sale portfolio as reflected on the Company’s Consolidated Statements of Condition. The following is a summary of these securities pledged as of December 31, 2022 disaggregated by investment category and maturity of the related customer sweep account, and reconciled to the outstanding balance of securities sold under repurchase agreements: (In thousands) Overnight Sweep Collateral Available-for-sale securities pledged Mortgage-backed securities pledged $ 173,000 Excess collateral 155,388 Securities sold under repurchase agreements $ 17,612 Other Borrowings Other borrowings represent a fixed-rate promissory note (“Fixed-Rate Promissory Note”) issued by the Company in June 2017. Amendments to the Fixed-Rate Promissory Note since issuance increased the principal amount to $66.4 million, reduced the interest rate to 1.70% and extended the maturity date to March 31, 2025. The Fixed-Rate Promissory Note relates to and is secured by three office buildings owned by the Company. At December 31, 2022, the Fixed-Rate Promissory Note had a balance of $61.3 million compared to $63.3 million at December 31, 2021. Under the Fixed-Rate Promissory Note, during the twelve months ended December 31, 2022, the Company made monthly principal and interest payments. The Fixed-Rate Promissory Note contains several restrictive covenants, including the maintenance of various capital adequacy levels, asset quality and profitability ratios, and certain restrictions on dividends and indebtedness. At December 31, 2022, the Company was in compliance with all such covenants. Secured Borrowings Secured borrowings primarily represent transactions to sell an undivided co-ownership interest in all receivables owed to the Company’s subsidiary, First Insurance Funding of Canada (“FIFC Canada”). In December 2014, FIFC Canada sold such interest to an unrelated third party in exchange for a cash payment of approximately C$150 million pursuant to a receivables purchase agreement (“Receivables Purchase Agreement”). Amendments to the Receivables Purchase Agreement since issuance increased the total payments to C$420 million and extended the maturity date to December 15, 2023. These transactions were not considered sales of receivables and, as such, related proceeds received are reflected on the Company’s Consolidated Statements of Condition as a secured borrowing owed to the unrelated third party, net of unamortized debt issuance costs, and translated to the Company’s reporting currency as of the respective date. At December 31, 2022, the translated balance of the secured borrowing totaled $309.7 million compared to $332.2 million at December 31, 2021. The interest rate under the Receivables Purchase Agreement is the Canadian Commercial Paper Rate plus 78 basis points.

Junior Subordinated Debentures

Junior Subordinated Debentures	12 Months Ended
	Dec. 31, 2022
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]
Junior Subordinated Debentures	Junior Subordinated DebenturesAs of December 31, 2022, the Company owned 100% of the common securities of eleven trusts, Wintrust Capital Trust III, Wintrust Statutory Trust IV, Wintrust Statutory Trust V, Wintrust Capital Trust VII, Wintrust Capital Trust VIII, Wintrust Capital Trust IX, Northview Capital Trust I, Town Bankshares Capital Trust I, First Northwest Capital Trust I, Suburban Illinois Capital Trust II, and Community Financial Shares Statutory Trust II (the “Trusts”) set up to provide long-term financing. The Northview, Town, First Northwest, Suburban and Community Financial Shares capital trusts were acquired as part of the acquisitions of Northview Financial Corporation, Town Bankshares, Ltd., First Northwest Bancorp, Inc., Suburban Illinois Bancorp, Inc. and Community Financial Shares, Inc., respectively. The Trusts were formed for purposes of issuing trust preferred securities to third-party investors and investing the proceeds from the issuance of the trust preferred securities and common securities solely in junior subordinated debentures issued by the Company (or assumed by the Company in connection with an acquisition), with the same maturities and interest rates as the trust preferred securities. The junior subordinated debentures are the sole assets of the Trusts. In each Trust, the common securities represent approximately 3% of the junior subordinated debentures and the trust preferred securities represent approximately 97% of the junior subordinated debentures. The Trusts are reported in the Company’s consolidated financial statements as unconsolidated subsidiaries. Accordingly, in the Consolidated Statements of Condition, the junior subordinated debentures issued by the Company to the Trusts are reported as liabilities and the common securities of the Trusts, all of which are owned by the Company, are included in investment securities. The following table provides a summary of the Company’s junior subordinated debentures as of December 31, 2022 and 2021. The junior subordinated debentures represent the par value of the obligations owed to the Trusts. Common Securities Trust Preferred Securities Junior Rate Structure Contractual rate at 12/31/2022 Maturity Date Earliest Redemption Date (Dollars in thousands) 2022 2021 Issue Date Wintrust Capital Trust III $ 774 $ 25,000 $ 25,774 $ 25,774 L+3.25 7.33 % 04/2003 04/2033 04/2008 Wintrust Statutory Trust IV 619 20,000 20,619 20,619 L+2.80 7.55 12/2003 12/2033 12/2008 Wintrust Statutory Trust V 1,238 40,000 41,238 41,238 L+2.60 7.35 05/2004 05/2034 06/2009 Wintrust Capital Trust VII 1,550 50,000 51,550 51,550 L+1.95 6.72 12/2004 03/2035 03/2010 Wintrust Capital Trust VIII 1,238 25,000 26,238 26,238 L+1.45 6.20 08/2005 09/2035 09/2010 Wintrust Capital Trust IX 1,547 50,000 51,547 51,547 L+1.63 6.40 09/2006 09/2036 09/2011 Northview Capital Trust I 186 6,000 6,186 6,186 L+3.00 7.44 08/2003 11/2033 08/2008 Town Bankshares Capital Trust I 186 6,000 6,186 6,186 L+3.00 7.44 08/2003 11/2033 08/2008 First Northwest Capital Trust I 155 5,000 5,155 5,155 L+3.00 7.75 05/2004 05/2034 05/2009 Suburban Illinois Capital Trust II 464 15,000 15,464 15,464 L+1.75 6.52 12/2006 12/2036 12/2011 Community Financial Shares Statutory Trust II 109 3,500 3,609 3,609 L+1.62 6.39 06/2007 09/2037 06/2012 Total $ 253,566 $ 253,566 6.87 % The interest rates on the variable rate junior subordinated debentures are based on the three-month LIBOR rate and reset on a quarterly basis. At December 31, 2022, the weighted average contractual interest rate on the junior subordinated debentures was 6.87%. Prior to 2021, the Company entered into interest rate swaps with an aggregate notional value of $210.0 million to hedge the variable cash flows on certain junior subordinated debentures. Such interest rate swaps matured in 2021 and no separate hedging derivatives were outstanding at December 31, 2022 related to the variable cash flows on any balance of the junior subordinated debentures. Distributions on the common and preferred securities issued by the Trusts are payable quarterly at a rate per annum equal to the interest rates being earned by the Trusts on the junior subordinated debentures. Interest expense on the junior subordinated debentures is deductible for income tax purposes. Under the Adjustable Interest Rate (LIBOR) Act (“AIRLA”) and Part 253 of Regulation ZZ (Rule 253), after June 30, 2023, the interest rate on the junior subordinated debentures will, by operation of law, change their base rate from USD LIBOR to CME Term SOFR of the same tenor, plus an applicable tenor spread adjustment. CME Term SOFR is an indicative, forward-looking measurement of daily overnight SOFR. CME Term SOFR is published by CME Group Inc., as administrator of that rate. The calculation agent for any series of the junior subordinated debentures may also make additional administrative conforming changes to the terms of that series of the junior subordinated debentures under AIRLA and Rule 253. The Company has guaranteed the payment of distributions and payments upon liquidation or redemption of the trust preferred securities, in each case to the extent of funds held by the Trusts. The Company and the Trusts believe that, taken together, the obligations of the Company under the guarantees, the junior subordinated debentures, and other related agreements provide, in the aggregate, a full, irrevocable and unconditional guarantee, on a subordinated basis, of all of the obligations of the Trusts under the trust preferred securities. Subject to certain limitations, the Company has the right to defer the payment of interest on the junior subordinated debentures at any time, or from time to time, for a period not to exceed 20 consecutive quarters. The trust preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the junior subordinated debentures at maturity or their earlier redemption. The junior subordinated debentures are redeemable in whole or in part prior to maturity at any time after the earliest redemption dates shown in the table, and earlier at the discretion of the Company if certain conditions are met, and, in any event, only after the Company has obtained Federal Reserve Bank (“FRB”) approval, if then required under applicable guidelines or regulations. At December 31, 2022, the Company included $245.5 million of the junior subordinated debentures, net of common securities, in Tier 2 regulatory capital.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2022
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers Disaggregation of Revenue The following table presents revenue from contracts with customers, disaggregated by the revenue source: (Dollars in thousands) Years Ended Revenue from contracts with customers Location in income statement December 31, December 31, December 31, Brokerage and insurance product commissions Wealth management $ 17,668 $ 20,710 $ 18,731 Trust Wealth management 33,460 21,930 18,392 Asset management Wealth management 75,486 81,379 63,213 Total wealth management 126,614 124,019 100,336 Mortgage broker fees Mortgage banking 854 787 368 Service charges on deposit accounts Service charges on deposit accounts 58,574 54,168 45,023 Administrative services Other non-interest income 6,713 5,689 4,385 Card related fees Other non-interest income 11,474 9,210 7,579 Other deposit related fees Other non-interest income 13,490 13,299 12,439 Total revenue from contracts with customers $ 217,719 $ 207,172 $ 170,130 Wealth Management Revenue Wealth management revenue is comprised of brokerage and insurance product commissions, managed money fees and trust and asset management revenue of the Company's four wealth management subsidiaries: Wintrust Investments, Great Lakes Advisors, CTC and CDEC. All wealth management revenue is recognized in the wealth management segment. Brokerage and insurance product commissions consists primarily of commissions earned from trade execution services on behalf of customers and from selling mutual funds, insurance and other investment products to customers. For trade execution services, the Company recognizes commissions and receives payment from the brokerage customers at the point of transaction execution. Commissions received from the investment or insurance product providers are recognized at the point of sale of the product. The Company also receives trail and other commissions from providers for certain plans. These are generally based on qualifying account values and are recognized once the performance obligation, specific to each provider, is satisfied on a monthly, quarterly or annual basis. Trust revenue is earned primarily from trust and custody services that are generally performed over time as well as fees earned on funds held during the facilitation of tax-deferred like-kind exchange transactions. Revenue is determined periodically based on a schedule of fees applied to the value of each customer account using a time-elapsed method to measure progress toward complete satisfaction of the performance obligation. Fees are typically billed on a calendar month or quarter basis in advance or in arrears depending upon the contract. Upfront fees received related to the facilitation of tax-deferred like-kind exchange transactions are deferred until the transaction is completed. Additional fees earned for certain extraordinary services performed on behalf of the customers are recognized when the service has been performed. Asset management revenue is earned from money management and advisory services that are performed over time. Revenue is based primarily on the market value of assets under management or administration using a time-elapsed method to measure progress toward complete satisfaction of the performance obligation. Fees are typically billed on a calendar month or quarter basis in advance or in arrears depending upon the contract. Certain programs provide the customer with an option of paying fees as a percentage of the account value or incurring commission charges for each trade similar to brokerage and insurance product commissions. Trade commissions and any other fees received for additional services are recognized at a point in time once the performance obligation is satisfied. Mortgage Broker Fees For customers desiring a mortgage product not currently offered by the Company, the Company may refer such customers and, with permission, direct such customers' applications to certain third party mortgage brokers. Mortgage broker fees are received from these brokers for such customer referrals upon settlement of the underlying mortgage. The Company's entitlement to the consideration is contingent on the settlement of the mortgage which is highly susceptible to factors outside of the Company's influence, such as the third party broker's underwriting requirements. Also, the uncertainty surrounding the consideration could be resolved in varying lengths of time, dependent upon the third party brokers. Therefore, mortgage broker fees are recognized at the settlement of the underlying mortgage when the consideration is received. Broker fees are recognized in the community banking segment. Service Charges on Deposit Accounts Service charges on deposit accounts include fees charged to deposit customers for various services, including account analysis services, and are based on factors such as the size and type of customer, type of product and number of transactions. The fees are based on a standard schedule of fees and, depending on the nature of the service performed, the service is performed at a point in time or over a period of a month. When the service is performed at a point in time, the Company recognizes and receives revenue when the service has been performed. When the service is performed over a period of a month, the Company recognizes and receives revenue in the month the service has been performed. Service charges on deposit accounts are recognized in the community banking segment. Administrative Services Administrative services revenue is earned from providing outsourced administrative services, such as data processing of payrolls, billing and cash management services, to temporary staffing service clients located throughout the United States. Fees are charged periodically (typically a payroll cycle) and computed in accordance with the contractually determined rate applied to the total gross billings administered for the period. The revenue is recognized over the period using a time-elapsed method to measure progress toward complete satisfaction of the performance obligation. Other fees are charged on a per occurrence basis as the service is provided in the billing cycle. The Company has certain contracts with customers to perform outsourced administrative services and short-term accounts receivable financing. For these contracts, the total fee is allocated between the administrative services revenue and interest income during the client onboarding process based on the specific client and services provided. Administrative services revenue is recognized in the specialty finance segment. Card and Deposit Related Fees Card related fees include interchange and merchant revenue, and fees related to debit and credit cards. Interchange revenue is related to the Company issued debit cards. Other deposit related fees primarily include pay by phone processing fees, ATM and safe deposit box fees, check order charges and foreign currency related fees. Card and deposit related fees are generally based on volume of transactions and are recognized at the point in time when the service has been performed. For any consideration that is constrained, the revenue is recognized once the uncertainty is known. Upfront fees received from certain contracts are recognized on a straight line basis over the term of the contract. Card and deposit related fees are recognized in the community banking segment. Contract Balances The following table provides information about contract assets, contract liabilities and receivables from contracts with customers: (Dollars in thousands) December 31, December 31, Contract assets $ — $ — Contract liabilities $ 1,282 $ 1,588 Mortgage broker fees receivable $ 20 $ 73 Administrative services receivable 279 68 Wealth management receivable 9,642 11,748 Card related fees receivable 571 921 Total receivables from contracts with customer $ 10,512 $ 12,810 Contract liabilities represent upfront fees that the Company received at inception of certain contracts. The revenue recognized that was included in the contract liability balance at beginning of the period totaled $1.3 million and $898,000 for the years ended December 31, 2022 and 2021, respectively. Receivables are recognized in the period the Company provides services when the Company's right to consideration is unconditional. Card related fee receivable is the result of volume based fee that the Company receives from a customer on an annual basis in the second quarter of each year. Payment terms on other invoiced amounts are typically 30 days or less. Contract liabilities and receivables from contracts with customers are included within the accrued interest payable and other liabilities and accrued interest receivable and other assets line items, respectively, in the Consolidated Statements of Condition. Transaction price allocated to the remaining performance obligations For contracts with an original expected length of more than one year, the following table presents the estimated future timing of recognition of upfront fees related to card and deposit related fees. These upfront fees represent performance obligations that are unsatisfied or partially unsatisfied at the end of the reporting period. (Dollars in thousands) Estimated—2023 $ 932 Estimated—2024 250 Estimated—2025 100 Total $ 1,282 Practical Expedients and Exemptions The Company does not adjust the promised amount of consideration for the effects of a significant financing component if the Company expects, at contract inception, that the period between when the Company transfers a promised service to a customer and when the customer pays for that services is one year or less. The Company recognizes the incremental costs of obtaining a contract as an expense when incurred if the amortization period of the asset that the entity otherwise would have recognized is one year or less.

Lease Commitments

Lease Commitments	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Lease Commitments	Lease Commitments The following tables provide a summary of lease costs and future required fixed payments related to the Company’s leasing arrangements in which it is the lessee: Year Ended (Dollars in thousands) December 31, Operating lease cost $ 22,767 Finance lease cost: Amortization of right-of-use asset 219 Interest on lease liability 291 Short-term lease cost 302 Variable lease cost 2,966 Sublease income (73) Total lease cost $ 26,472 Cash paid for amounts included in the measurement of operating lease liabilities $ 25,379 Cash paid for amounts included in the measurement of finance lease liabilities 337 Right-of-use asset obtained in exchange for new operating lease liabilities 7,832 Right-of-use asset obtained in exchange for new finance lease liabilities — Weighted average remaining lease term - operating leases 11.4 years Weighted average remaining lease term - finance leases 38.0 years Weighted average discount rate - operating leases 3.99 % Weighted average discount rate - finance leases 3.43 % (In thousands) Payments 2023 $ 21,494 2024 21,513 2025 20,453 2026 18,566 2027 17,584 2028 and thereafter 115,255 Total minimum future amounts $ 214,865 Impact of measuring the lease liability on a discounted basis (48,127) Total lease liability $ 166,738 In addition to the lessee arrangements discussed above, the Company also leases certain owned premises and receives rental income from such lessor agreements. Gross rental income related to the Company’s buildings totaled $7.8 million, $7.8 million and $8.7 million, in 2022, 2021 and 2020, respectively. The approximate annual gross rental receipts under noncancelable agreements with remaining terms in excess of one year as of December 31, 2022, are as follows (in thousands): Receipts 2023 $ 4,066 2024 2,861 2025 2,253 2026 1,745 2027 1,108 2028 and thereafter 3,674 Total minimum future amounts $ 15,707
Lease Commitments	Lease Commitments The following tables provide a summary of lease costs and future required fixed payments related to the Company’s leasing arrangements in which it is the lessee: Year Ended (Dollars in thousands) December 31, Operating lease cost $ 22,767 Finance lease cost: Amortization of right-of-use asset 219 Interest on lease liability 291 Short-term lease cost 302 Variable lease cost 2,966 Sublease income (73) Total lease cost $ 26,472 Cash paid for amounts included in the measurement of operating lease liabilities $ 25,379 Cash paid for amounts included in the measurement of finance lease liabilities 337 Right-of-use asset obtained in exchange for new operating lease liabilities 7,832 Right-of-use asset obtained in exchange for new finance lease liabilities — Weighted average remaining lease term - operating leases 11.4 years Weighted average remaining lease term - finance leases 38.0 years Weighted average discount rate - operating leases 3.99 % Weighted average discount rate - finance leases 3.43 % (In thousands) Payments 2023 $ 21,494 2024 21,513 2025 20,453 2026 18,566 2027 17,584 2028 and thereafter 115,255 Total minimum future amounts $ 214,865 Impact of measuring the lease liability on a discounted basis (48,127) Total lease liability $ 166,738 In addition to the lessee arrangements discussed above, the Company also leases certain owned premises and receives rental income from such lessor agreements. Gross rental income related to the Company’s buildings totaled $7.8 million, $7.8 million and $8.7 million, in 2022, 2021 and 2020, respectively. The approximate annual gross rental receipts under noncancelable agreements with remaining terms in excess of one year as of December 31, 2022, are as follows (in thousands): Receipts 2023 $ 4,066 2024 2,861 2025 2,253 2026 1,745 2027 1,108 2028 and thereafter 3,674 Total minimum future amounts $ 15,707
Lease Commitments	Lease Commitments The following tables provide a summary of lease costs and future required fixed payments related to the Company’s leasing arrangements in which it is the lessee: Year Ended (Dollars in thousands) December 31, Operating lease cost $ 22,767 Finance lease cost: Amortization of right-of-use asset 219 Interest on lease liability 291 Short-term lease cost 302 Variable lease cost 2,966 Sublease income (73) Total lease cost $ 26,472 Cash paid for amounts included in the measurement of operating lease liabilities $ 25,379 Cash paid for amounts included in the measurement of finance lease liabilities 337 Right-of-use asset obtained in exchange for new operating lease liabilities 7,832 Right-of-use asset obtained in exchange for new finance lease liabilities — Weighted average remaining lease term - operating leases 11.4 years Weighted average remaining lease term - finance leases 38.0 years Weighted average discount rate - operating leases 3.99 % Weighted average discount rate - finance leases 3.43 % (In thousands) Payments 2023 $ 21,494 2024 21,513 2025 20,453 2026 18,566 2027 17,584 2028 and thereafter 115,255 Total minimum future amounts $ 214,865 Impact of measuring the lease liability on a discounted basis (48,127) Total lease liability $ 166,738 In addition to the lessee arrangements discussed above, the Company also leases certain owned premises and receives rental income from such lessor agreements. Gross rental income related to the Company’s buildings totaled $7.8 million, $7.8 million and $8.7 million, in 2022, 2021 and 2020, respectively. The approximate annual gross rental receipts under noncancelable agreements with remaining terms in excess of one year as of December 31, 2022, are as follows (in thousands): Receipts 2023 $ 4,066 2024 2,861 2025 2,253 2026 1,745 2027 1,108 2028 and thereafter 3,674 Total minimum future amounts $ 15,707

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense (benefit) for the years ended December 31, 2022, 2021 and 2020 is summarized as follows: Years Ended December 31, (In thousands) 2022 2021 2020 Current income taxes: Federal $ 116,976 $ 118,723 $ 75,154 State 48,633 48,847 19,194 Foreign 3,207 6,936 6,501 Total current income taxes $ 168,816 $ 174,506 $ 100,849 Deferred income taxes: Federal $ 18,560 $ 794 $ 284 State (1,183) (3,597) (2,834) Foreign 4,680 (58) (1,508) Total deferred income taxes $ 22,057 $ (2,861) $ (4,058) Total income tax expense $ 190,873 $ 171,645 $ 96,791 The Company’s income before income taxes in 2022, 2021 and 2020 includes $27.7 million, $23.1 million and $15.4 million, respectively, of foreign income attributable to its Canadian subsidiary. The tax effects of certain transactions are recorded directly to shareholders’ equity rather than income tax expense. The tax effect of fair value adjustments on securities available-for-sale and derivative instruments in cash flow hedges are recorded directly to shareholders’ equity as part of other comprehensive income (loss) and are reflected on the Consolidated Statements of Comprehensive Income. The tax effect of unrealized gains and losses on certain foreign currency transactions is also recorded in shareholders’ equity as part of other comprehensive income (loss). A reconciliation of the differences between taxes computed using the statutory Federal income tax rate and actual income tax expense is as follows: Years Ended December 31, (Dollars in thousands) 2022 2021 2020 Income tax expense using the statutory Federal income tax rate of 21% on income before taxes $ 147,117 $ 133,937 $ 81,854 Increase (decrease) in tax resulting from: Tax-exempt interest, net of interest expense disallowance (3,936) (2,605) (2,970) State taxes, net of federal tax benefit 37,328 35,747 20,098 Income earned on bank owned life insurance (102) (1,169) (956) (Excess) deficient tax benefits on share based compensation (2,278) (1,906) 466 Meals, entertainment and related expenses 1,506 1,208 992 FDIC insurance expense 6,014 5,676 4,605 Non-deductible compensation expense 2,361 1,799 398 Foreign subsidiary, net 2,376 2,011 2,080 Tax benefits related to tax credits, net (338) (1,145) (1,902) Release of state uncertain tax positions — — (7,173) Other, net 825 (1,908) (701) Income tax expense $ 190,873 $ 171,645 $ 96,791 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities at December 31, 2022 and 2021 are as follows: (In thousands) 2022 2021 Deferred tax assets: Net unrealized losses on securities included in other comprehensive income $ 140,002 $ — Allowance for credit losses 95,389 $ 79,879 Right-of-use liability 44,277 47,312 Deferred compensation 26,411 26,301 Stock-based compensation 11,196 5,762 Federal net operating loss carryforward 1,003 1,870 Nonaccrued interest 875 1,098 Loans 819 1,344 Other 4,497 4,652 Total gross deferred tax assets 324,469 168,218 Deferred tax liabilities: Equipment leasing 138,198 122,711 Premises and equipment 51,058 56,377 Right-of-use asset 36,484 38,973 Capitalized servicing rights 59,928 37,528 Goodwill and intangible assets 12,636 10,577 Deferred loan fees and costs 5,061 967 Net unrealized gains on derivatives included in other comprehensive income 2,364 9,836 Net unrealized gains on securities included in other comprehensive income — 3,169 Other 1,387 3,835 Total gross deferred tax liabilities 307,116 283,973 Net deferred tax assets (liabilities) $ 17,353 $ (115,755) Management has determined that a valuation allowance is not required for the deferred tax assets at December 31, 2022 because it is more likely than not that these assets could be realized through future reversals of existing taxable temporary differences, tax planning strategies and future taxable income. This conclusion is based on the Company’s historical earnings, its current level of earnings and prospects for continued growth and profitability. The Company has Federal net operating loss (“NOL”) carryforwards of $4.8 million that begin to expire in 2029 through 2037 and are subject to IRC Section 382 annual limitation. The NOL carryforwards were a result of acquisitions. The Company accounts for uncertainties in income taxes in accordance with ASC 740, Income Taxes. The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: Years Ended December 31, (In thousands) 2022 2021 2020 Unrecognized tax benefits at beginning of year $ — $ — $ 10,840 Gross increases for tax positions taken in current period — — — Gross decreases for positions taken in prior periods — — (10,571) Settlements with taxing authorities — — (269) Unrecognized tax benefits at end of year $ — $ — $ — At December 31, 2022 and December 31, 2021, the Company had no unrecognized tax benefits related to uncertain tax positions that, if recognized, would impact the effective tax rate. Interest and penalties on unrecognized tax positions are recorded in income tax expense. There was no interest income accrued on unrecognized tax benefits at December 31, 2022 or December 31, 2021. Interest and penalties are included in the liability for uncertain tax positions, but are not included in the unrecognized tax benefits rollforward presented above. As of December 31, 2022, the Company does not expect the total amount of unrecognized tax benefits to significantly increase in the next 12 months. The Company and its subsidiaries are subject to U.S. federal income tax as well as income tax in numerous state jurisdictions and in Canada. In the ordinary course of business, we are routinely subject to audit by the taxing authorities of these jurisdictions. Currently, the Company’s U.S. federal income tax returns are open and subject to audit for the 2019 tax return year forward, and in general, the Company’s state income tax returns are open and subject to audit from the 2019 tax return year forward, subject to individual state statutes of limitation. The Company has extended the statute of limitations on certain state income tax returns for tax years 2015 through 2018 due to an ongoing audit. The Company’s Canadian subsidiary’s Canadian income tax returns are also subject to audit for the 2019 tax return year forward.

Stock Compensation Plans and Ot

Stock Compensation Plans and Other Employee Benefit Plans	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Stock Compensation Plans and Other Employee Benefit Plans	Stock Compensation Plans and Other Employee Benefit Plans Stock Incentive Plan In May 2022, the Company’s shareholders approved the 2022 Stock Incentive Plan (“the 2022 Plan”) which provides for the issuance of up to 1,200,000 shares of common stock plus any shares of common stock that were available for awards under the 2015 Stock Incentive Plan (“the 2015 Plan”) as of the effective date of the 2022 Plan. The 2022 Plan replaced the 2015 Plan, and similarly, the 2015 Plan replaced the 2007 Stock Incentive Plan (“the 2007 Plan”) and the 2007 Plan replaced the 1997 Stock Incentive Plan (“the 1997 Plan”). The 2022 Plan, 2015 Plan, 2007 Plan and the 1997 Plan are collectively referred to as “the Plans.” The 2022 Plan has substantially similar terms to the predecessor plans. Awards granted under the Plans for which common shares are not issued by reason of cancellation, forfeiture, lapse of such award or settlement of such award in cash, are again available under the 2022 Plan. All grants made after the approval of the 2022 Plan are made pursuant to the 2022 Plan. As of December 31, 2022, approximately 1.6 million shares were available for future grants assuming the maximum number of shares are issued for the performance awards outstanding. The Plans cover substantially all employees of Wintrust. The Compensation Committee of the Board of Directors administers all stock-based compensation programs and authorizes all awards granted pursuant to the Plans. The Plans permit the grant of incentive stock options, non-qualified stock options, stock appreciation rights, stock awards, restricted share or unit awards, performance awards and other incentive awards valued in whole or in part by reference to the Company’s common stock, all on a stand-alone, combination or tandem basis. The Company historically awarded stock-based compensation in the form of time-vested non-qualified stock options and time-vested restricted share unit awards (“restricted shares”). The grants of options provide for the purchase of shares of the Company’s common stock at the fair market value of the stock on the date the options are granted. Stock options generally vest ratably over periods of three one Beginning in 2011, the Company has awarded annual grants under the Long-Term Incentive Program (“LTIP”), which is administered under the Plans. The LTIP is designed in part to align the interests of management with interests of shareholders, foster retention, create a long-term focus based on sustainable results and provide participants a target long-term incentive opportunity. LTIP grants in 2022 and 2021 consisted of a combination of performance-based stock awards with a performance condition metric, performance-based stock awards with a market condition metric and time-vested restricted shares, and in 2020 consisted of a combination of performance-based stock awards and performance-based cash awards (both with a performance condition metric) and time vested restricted shares. LTIP grants from 2017 through 2019 consisted of a combination of performance-based stock awards and performance-based cash awards, and prior to 2017, nonqualified stock options were in the mix of award types. Stock options granted under the LTIP have a term of seven years and generally vest equally over three years based on continued service. Performance-based stock and cash awards granted under the LTIP are contingent upon the achievement of pre-established long-term performance goals set in advance by the Compensation Committee over a three-year period starting at the beginning of each calendar year. Performance-based stock awards with a market condition metric are contingent on the total shareholder return performance over a three-year period relative to the KBW Regional Bank Index. These performance awards are granted at a target level, and based on the Company’s achievement of the pre-established long-term goals, the actual payouts can range from 0% to a maximum of 150% of the target award. The awards typically vest in the quarter after the end of the performance period upon certification of the payout by the Compensation Committee of the Board of Directors. Holders of performance-based stock awards are entitled to receive, at no cost, the shares earned based on the achievement of the pre-established long-term goals. Holders of restricted share awards and performance-based stock awards received under the Plans are not entitled to vote or receive cash dividends (or cash payments equal to the cash dividends) on the underlying common shares until the awards are vested and shares are issued. Shares that are vested but are not issuable pursuant to deferred compensation arrangements accrue additional shares based on the value of dividends otherwise paid. Except in limited circumstances, awards granted pursuant to the Plans are canceled upon termination of employment without any payment of consideration by the Company. Stock-based compensation is measured as the fair value of an award on the date of grant, and the measured cost is recognized over the period which the recipient is required to provide service in exchange for the award. The fair value of restricted share and performance-based stock awards with a performance metric is determined based on the average of the high and low trading prices on the grant date. The fair value of performance stock awards with a market condition metric is determined using a Monte Carlo simulation model and the fair value of stock options is estimated using a Black-Scholes option-pricing model. The Monte Carlo simulation model and the Black-Scholes option-pricing model require the input of highly subjective assumptions and are sensitive to changes in the award’s expected life and the price volatility of the underlying stock, which can materially affect the fair value estimates. Management periodically reviews and adjusts the assumptions used to calculate the fair value of such awards when granted. No options have been granted since 2016. Stock-based compensation is recognized based on the number of awards that are ultimately expected to vest, taking into account expected forfeitures. In addition, for performance-based awards with a performance metric, an estimate is made of the number of shares expected to vest as a result of actual performance against the performance criteria in the award to determine the amount of compensation expense to recognize. The estimate is re-evaluated quarterly and total compensation expense is adjusted for any change in estimate in the current period. Stock-based compensation expense recognized in the Consolidated Statements of Income was $31.7 million, $16.2 million and $(4.9) million and the related tax benefits (expense) were $7.0 million, $3.7 million and $(914,000) in 2022, 2021 and 2020, respectively. A summary of the Plans’ stock option activity for the years ended December 31, 2022, 2021 and 2020 is as follows: Stock Options Common Weighted Average Remaining Contractual Term (1) Intrinsic Value (2) ($000) Outstanding at January 1, 2020 755,332 $ 42.43 Exercised (229,061) 42.29 Forfeited or canceled (5,608) 44.34 Outstanding at December 31, 2020 520,663 $ 42.47 1.9 $ 9,694 Exercisable at December 31, 2020 512,762 $ 42.46 1.8 $ 9,555 Outstanding at January 1, 2021 520,663 $ 42.47 Exercised (326,626) 42.97 Forfeited or canceled (590) 46.86 Outstanding at December 31, 2021 193,447 $ 41.62 1.4 $ 9,518 Exercisable at December 31, 2021 191,898 $ 41.57 1.3 $ 9,451 Outstanding at January 1, 2022 193,447 $ 41.62 Exercised (123,924) 41.89 Forfeited or canceled (1,430) 40.87 Outstanding at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 Exercisable at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 Vested or expected to vest at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 (1) Represents the weighted average contractual remaining life in years. (2) Aggregate intrinsic value represents the total pretax intrinsic value (i.e., the difference between the Company’s stock price at year end and the option exercise price, multiplied by the number of shares) that would have been received by the option holders if they had exercised their options on the last day of the year. Options with exercise prices above the year end stock price are excluded from the calculation of intrinsic value. The intrinsic value will change based on the fair market value of the Company’s stock. The aggregate intrinsic value of options exercised during the years ended December 31, 2022, 2021 and 2020, was $6.7 million, $11.7 million and $4.1 million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $1.8 million, $3.1 million and $1.1 million for 2022, 2021 and 2020, respectively. Cash received from option exercises under the Plans for the years ended December 31, 2022, 2021 and 2020 was $5.2 million, $14.0 million and $9.7 million, respectively. A summary of the Plans’ restricted share activity for the years ended December 31, 2022, 2021 and 2020 is as follows: 2022 2021 2020 Restricted Shares Common Weighted Common Weighted Common Weighted Outstanding at January 1 476,813 $ 61.33 234,794 $ 59.02 144,328 $ 60.37 Granted 225,680 95.93 276,311 63.96 117,571 60.85 Vested and issued (68,541) 64.49 (19,673) 68.92 (20,441) 74.42 Forfeited or canceled (23,797) 75.84 (14,619) 63.66 (6,664) 73.54 Outstanding at end of year 610,155 $ 73.21 476,813 $ 61.33 234,794 $ 59.02 Vested, but deferred, at year end 96,920 $ 53.08 95,465 $ 52.52 93,969 $ 52.11 A summary of the Plans’ performance-based stock award activity, based on the target level of the awards, for the years ended December 31, 2022, 2021 and 2020 is as follows: 2022 2021 2020 Performance Shares Common Weighted Common Weighted Common Weighted Outstanding at January 1 557,255 $ 62.94 482,608 $ 71.15 465,515 $ 74.37 Granted 160,598 97.14 208,851 58.99 170,032 63.61 Added by performance factor at vesting — — — — 48,831 72.59 Vested and issued — — — — (180,789) 72.59 Forfeited or canceled (172,474) 71.52 (134,204) 86.30 (20,981) 72.46 Outstanding at end of year 545,379 $ 70.30 557,255 $ 62.94 482,608 $ 71.15 Vested, but deferred, at year end 35,696 $ 44.38 35,160 $ 43.69 34,609 $ 43.14 At December 31, 2022, the maximum number of performance-based shares that could be issued on outstanding awards if performance is attained at the maximum amount was approximately 800,000 shares. The actual tax benefit realized upon the vesting and issuance of restricted shares and performance-based stock is based on the fair value of the shares on the issue date, and the estimated tax benefit of the awards is based on fair value of the awards on the grant date. The actual tax benefit realized upon the vesting and issuance of restricted shares and performance-based stock in 2022 was $580,000 more than the expected tax benefit for those shares; in 2021 the actual tax benefit was $40,000 more than the expected tax benefit for those shares and in 2020 the actual tax benefit was $848,000 less than the expected tax benefit for those shares. These differences in actual and expected tax benefits were recorded to income tax expense. As of December 31, 2022, there was $37.8 million of total unrecognized compensation cost related to non-vested share based arrangements under the Plans. That cost is expected to be recognized over a weighted average period of approximately two years. The total fair value of shares vested during the years ended December 31, 2022, 2021 and 2020 was $4.5 million, $1.5 million and $14.7 million, respectively. The Company issues new shares to satisfy its obligation to issue shares granted pursuant to the Plans. Cash Incentive and Retention Plan The Cash Incentive and Retention Plan (“CIRP”) allows the Company to provide cash compensation to the Company’s and its subsidiaries’ officers and employees. The CIRP is administered by the Compensation Committee of the Board of Directors. The CIRP generally provides for the grants of cash awards, which may be earned pursuant to the achievement of performance criteria established by the Compensation Committee and/or continued employment. The performance criteria, if any, established by the Compensation Committee must relate to one or more of the criteria specified in the CIRP, which includes: earnings, earnings growth, revenues, stock price, return on assets, return on equity, improvement of financial ratings, achievement of balance sheet or income statement objectives and expenses. These criteria may relate to the Company, a particular line of business or a specific subsidiary of the Company. The Company had no expense related to the CIRP in 2022, 2021 and 2020, and no awards were paid in those years. There were no outstanding awards under this plan at December 31, 2022. Other Employee Benefits Wintrust and its subsidiaries also provide 401(k) Retirement Savings Plans (“401(k) Plans”). The 401(k) Plans cover all employees meeting certain eligibility requirements. Contributions by employees are made through salary deferrals at their direction, subject to certain Plan and statutory limitations. Employer contributions to the 401(k) Plans are made at the employer’s discretion. Eligible participants that have contributed to the 401(k) Plans are eligible to share in an allocation of employer contributions. The Company’s expense for the employer contributions to the 401(k) Plans was approximately $16.2 million in 2022, $15.6 million in 2021, and $13.8 million in 2020. The Wintrust Financial Corporation Employee Stock Purchase Plan (“ESPP”) is designed to encourage greater stock ownership among employees, thereby enhancing employee commitment to the Company. The ESPP gives eligible employees the right to accumulate funds over an offering period to purchase shares of common stock. All shares offered under the ESPP will be either newly issued shares of the Company or shares issued from treasury, if any. In accordance with the ESPP, beginning January 1, 2015, the purchase price of the shares of common stock is equal to 95% of the closing price of the Company’s common stock on the last day of the offering period. During 2022, 2021 and 2020, 40,421, 44,021 and 75,763, shares of common stock, respectively, were purchased by participants and no compensation expense was recorded. The Company plans to continue to offer common stock through this ESPP on an ongoing basis and, in 2021, increased the shares authorized under the ESPP by 200,000 shares. At December 31, 2022, the Company had an obligation to issue 8,638 shares of common stock to participants and had 212,472 shares available for future grants under the ESPP. The Company does not currently offer other postretirement benefits such as health care or other pension plans. Directors Deferred Fee and Stock Plan The Wintrust Financial Corporation Directors Deferred Fee and Stock Plan (“DDFS Plan”) allows directors of the Company and its subsidiaries to choose to receive payment of directors’ fees in either cash or common stock of the Company and to defer the receipt of the fees. The DDFS Plan is designed to encourage stock ownership by directors. All shares offered under the DDFS Plan will be either newly issued shares of the Company or shares issued from treasury. The number of shares issued is determined on a quarterly basis based on the fees earned during the quarter and the fair market value per share of the common stock on the last trading day of the preceding quarter. The shares are issued annually and the directors are entitled to dividends and voting rights upon the issuance of the shares. During 2020, an additional 200,000 shares were authorized under the DDFS Plan. During 2022, 2021 and 2020, a total of 59,174 shares, 23,909 shares and 19,928 shares, respectively, were issued to directors. For those directors that elect to defer the receipt of the common stock, the Company maintains records of stock units representing an obligation to issue shares of common stock. The number of stock units equals the number of shares that would have been issued had the director not elected to defer receipt of the shares. Additional stock units are credited at the time dividends are paid, however no voting rights are associated with the stock units. The shares of common stock represented by the stock units are issued in the year specified by the directors in their participation agreements. At December 31, 2022, the Company has an obligation to issue 313,409 shares of common stock to directors and has 121,119 shares available for future grants under the DDFS Plan.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	Regulatory Matters Banking laws place restrictions upon the amount of dividends that can be paid to Wintrust by the banks. Based on these laws, the banks could, subject to minimum capital requirements, declare dividends to Wintrust without obtaining regulatory approval in an amount not exceeding (a) undivided profits, and (b) the amount of net income reduced by dividends paid for the current and prior two years. During 2022, 2021 and 2020, cash dividends totaling $52.0 million, $145.0 million and $253.0 million, respectively, were paid to Wintrust by the banks and other subsidiaries. As of December 31, 2022, the banks had approximately $703.8 million available to be paid as dividends to Wintrust without prior regulatory approval and without reducing their capital below the well-capitalized level. The banks are also required by the Federal Reserve Act to maintain reserves against deposits. Reserves are held either in the form of vault cash or balances maintained with the FRB and are based on the average daily deposit balances and statutory reserve ratios prescribed by the type of deposit account. In March 2020, the FRB adopted a rule to amend its reserve regulation which included lowering the reserve requirement to zero percent. As a result, at December 31, 2022, 2021, and 2020 there were no reserve balances required to be maintained at the FRB. The Company and the banks are subject to various regulatory capital requirements established by the federal banking agencies that take into account risk attributable to balance sheet and off-balance sheet activities. Failure to meet minimum capital requirements can initiate certain mandatory — and possibly discretionary — actions by regulators, that if undertaken could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the banks must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Quantitative measures established by regulation to ensure capital adequacy require the Company and the banks to maintain minimum amounts and ratios of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and Tier 1 leverage capital (as defined) to average quarterly assets (as defined). The Federal Reserve’s capital guidelines require bank holding companies to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 8.0%, of which at least 4.50% must be in the form of Common Equity Tier 1 capital and 6.0% must be in the form of Tier 1 capital. The Federal Reserve also requires a minimum leverage ratio of Tier 1 capital to average total assets of 4.0%. In addition, the Federal Reserve continues to consider the Tier 1 leverage ratio in evaluating proposals for expansion or new activities. As reflected in the following table, the Company met all minimum capital requirements at December 31, 2022 and 2021: 2022 2021 Total capital to risk weighted assets 11.9 % 11.6 % Tier 1 capital to risk weighted assets 10.0 9.6 Common Equity Tier 1 capital to risk weighted assets 9.1 8.6 Tier 1 Leverage Ratio 8.8 8.0 Wintrust is designated as a financial holding company. Bank holding companies approved as financial holding companies may engage in an expanded range of activities, including the businesses conducted by its wealth management subsidiaries. As a financial holding company, Wintrust’s banks are required to maintain their capital positions at the “well-capitalized” level. As of December 31, 2022, the banks were categorized as well capitalized under the regulatory framework for prompt corrective action. The ratios required for the banks to be “well capitalized” by regulatory definition are 10.0%, 8.0%, 6.5% and 5.0% for total capital to risk-weighted assets, Tier 1 capital to risk-weighted assets, Common Equity Tier 1 capital to risk weighted assets and Tier 1 leverage ratio, respectively. The banks’ actual capital amounts and ratios as of December 31, 2022 and 2021 are presented in the following table: December 31, 2022 December 31, 2021 Actual To Be Well Actual To Be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Lake Forest Bank $ 725,384 11.4 % $ 638,871 10.0 % $ 614,942 11.1 % $ 552,325 10.0 % Hinsdale Bank 441,317 11.7 378,007 10.0 370,363 11.3 327,716 10.0 Wintrust Bank 1,084,435 12.0 907,101 10.0 905,629 11.2 810,711 10.0 Libertyville Bank 242,482 12.0 201,695 10.0 203,893 11.4 179,719 10.0 Barrington Bank 387,113 11.5 337,499 10.0 362,019 11.6 313,373 10.0 Crystal Lake Bank 154,891 11.4 136,419 10.0 139,059 11.4 121,722 10.0 Northbrook Bank 409,571 11.3 362,342 10.0 338,912 11.2 303,915 10.0 Schaumburg Bank 169,428 11.3 149,425 10.0 148,108 11.0 134,208 10.0 Village Bank 256,537 11.3 226,399 10.0 219,017 11.0 198,923 10.0 Beverly Bank 223,808 11.5 195,237 10.0 189,349 11.4 166,645 10.0 Town Bank 314,351 11.3 278,704 10.0 273,185 11.3 241,598 10.0 Wheaton Bank 285,606 11.6 247,015 10.0 245,045 11.4 215,507 10.0 State Bank of the Lakes 167,023 11.3 147,369 10.0 145,438 11.3 129,304 10.0 Old Plank Trail Bank 211,437 11.5 183,269 10.0 190,402 11.5 165,493 10.0 St. Charles Bank 211,132 11.3 186,623 10.0 183,726 11.4 161,563 10.0 Tier 1 Capital (to Risk Weighted Assets): Lake Forest Bank $ 689,320 10.8 % $ 511,097 8.0 % $ 586,701 10.6 % $ 441,860 8.0 % Hinsdale Bank 416,762 11.0 302,406 8.0 352,916 10.8 262,173 8.0 Wintrust Bank 1,004,271 11.1 725,681 8.0 844,613 10.4 648,569 8.0 Libertyville Bank 225,766 11.2 161,356 8.0 191,716 10.7 143,775 8.0 Barrington Bank 373,830 11.1 269,999 8.0 353,629 11.3 250,698 8.0 Crystal Lake Bank 145,514 10.7 109,135 8.0 131,730 10.8 97,378 8.0 Northbrook Bank 383,691 10.6 289,874 8.0 320,243 10.5 243,132 8.0 Schaumburg Bank 160,061 10.7 119,540 8.0 141,228 10.5 107,367 8.0 Village Bank 238,246 10.5 181,120 8.0 206,828 10.4 159,138 8.0 Beverly Bank 206,714 10.6 156,189 8.0 179,487 10.8 133,316 8.0 Town Bank 297,499 10.7 222,963 8.0 262,859 10.9 193,278 8.0 Wheaton Bank 269,366 10.9 197,612 8.0 234,218 10.9 172,405 8.0 State Bank of the Lakes 159,399 10.8 117,895 8.0 138,266 10.7 103,443 8.0 Old Plank Trail Bank 201,864 11.0 146,615 8.0 177,956 10.8 132,394 8.0 St. Charles Bank 200,910 10.8 149,299 8.0 174,516 10.8 129,250 8.0 Common Equity Tier 1 Capital (to Risk Weighted Assets): Lake Forest Bank $ 689,320 10.8 % $ 415,266 6.5 % $ 586,701 10.6 % $ 359,011 6.5 % Hinsdale Bank 416,762 11.0 245,705 6.5 352,916 10.8 213,015 6.5 Wintrust Bank 1,004,271 11.1 589,616 6.5 844,613 10.4 526,962 6.5 Libertyville Bank 225,766 11.2 131,102 6.5 191,716 10.7 116,817 6.5 Barrington Bank 373,830 11.1 219,374 6.5 353,629 11.3 203,692 6.5 Crystal Lake Bank 145,514 10.7 88,673 6.5 131,730 10.8 79,119 6.5 Northbrook Bank 383,691 10.6 235,522 6.5 320,243 10.5 197,545 6.5 Schaumburg Bank 160,061 10.7 97,126 6.5 141,228 10.5 87,235 6.5 Village Bank 238,246 10.5 147,160 6.5 206,828 10.4 129,300 6.5 Beverly Bank 206,714 10.6 126,904 6.5 179,487 10.8 108,319 6.5 Town Bank 297,499 10.7 181,157 6.5 262,859 10.9 157,039 6.5 Wheaton Bank 269,366 10.9 160,559 6.5 234,218 10.9 140,079 6.5 State Bank of the Lakes 159,399 10.8 95,790 6.5 138,266 10.7 84,048 6.5 Old Plank Trail Bank 201,864 11.0 119,125 6.5 177,956 10.8 107,571 6.5 St. Charles Bank 200,910 10.8 121,305 6.5 174,516 10.8 105,016 6.5 December 31, 2022 December 31, 2021 Actual To Be Well Actual To Be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Tier 1 Leverage Ratio: Lake Forest Bank $ 689,320 8.8 % $ 391,452 5.0 % $ 586,701 8.3 % $ 353,846 5.0 % Hinsdale Bank 416,762 9.5 220,373 5.0 352,916 8.8 200,228 5.0 Wintrust Bank 1,004,271 10.7 469,415 5.0 844,613 9.2 461,082 5.0 Libertyville Bank 225,766 9.3 121,475 5.0 191,716 8.5 112,448 5.0 Barrington Bank 373,830 10.3 181,212 5.0 353,629 10.9 162,392 5.0 Crystal Lake Bank 145,514 9.5 76,780 5.0 131,730 9.7 67,711 5.0 Northbrook Bank 383,691 9.1 211,521 5.0 320,243 8.5 188,424 5.0 Schaumburg Bank 160,061 9.3 86,409 5.0 141,228 9.0 78,938 5.0 Village Bank 238,246 9.7 123,484 5.0 206,828 9.2 111,885 5.0 Beverly Bank 206,714 10.0 103,759 5.0 179,487 9.9 90,265 5.0 Town Bank 297,499 8.4 176,660 5.0 262,859 7.9 166,487 5.0 Wheaton Bank 269,366 9.0 148,942 5.0 234,218 8.1 144,949 5.0 State Bank of the Lakes 159,399 9.1 88,065 5.0 138,266 8.5 81,475 5.0 Old Plank Trail Bank 201,864 8.7 115,692 5.0 177,956 8.2 108,332 5.0 St. Charles Bank 200,910 9.6 104,431 5.0 174,516 9.1 95,638 5.0 Wintrust’s mortgage banking division and broker/dealer subsidiary are also required to maintain minimum net worth capital requirements with various governmental agencies. The mortgage banking division’s net worth requirements are governed by the Department of Housing and Urban Development and the broker/dealer’s net worth requirements are governed by the SEC. As of December 31, 2022, these business units met their minimum net worth capital requirements.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies The Company has outstanding, at any time, a number of commitments to extend credit. These commitments include revolving home equity line and other credit agreements, term loan commitments and standby and commercial letters of credit. Standby and commercial letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Standby letters of credit are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party, while commercial letters of credit are issued specifically to facilitate commerce and typically result in the commitment being drawn on when the underlying transaction is consummated between the customer and the third party. These commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the Consolidated Statements of Condition. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to extend commercial, commercial real estate and construction loans totaled $9.5 billion and $7.8 billion as of December 31, 2022 and 2021, respectively, and unused home equity lines totaled $796.9 million and $749.4 million as of December 31, 2022 and 2021, respectively. Standby and commercial letters of credit totaled $344.4 million at December 31, 2022 and $351.1 million at December 31, 2021. In addition, at December 31, 2022 and 2021, the Company had approximately $181.0 million and $590.0 million, respectively, in commitments to fund residential mortgage loans to be sold into the secondary market. These lending commitments are also considered derivative instruments. The Company also enters into forward contracts for the future delivery of residential mortgage loans at specified interest rates to reduce the interest rate risk associated with commitments to fund loans as well as mortgage loans held-for-sale. These forward contracts are also considered derivative instruments and had contractual amounts of approximately $321.0 million at December 31, 2022 and $952.3 million at December 31, 2021. See Note (21) “Derivative Financial Instruments” in Item 8 of this report for further discussion on derivative instruments. The Company enters into residential mortgage loan sale agreements with investors in the normal course of business. These agreements usually require certain representations concerning credit information, loan documentation, collateral and insurability. On occasion, investors have requested the Company to indemnify them against losses on certain loans or to repurchase loans which the investors believe do not comply with applicable representations. Management maintains a liability for estimated losses on loans expected to be repurchased or on which indemnification is expected to be provided and regularly evaluates the adequacy of this recourse liability based on trends in repurchase and indemnification requests, actual loss experience, known and inherent risks in the loans, and current economic conditions. The Company sold approximately $3.1 billion of mortgage loans in 2022 and $7.4 billion in 2021. The liability for estimated losses on repurchase and indemnification claims for residential mortgage loans previously sold to investors was approximately $624,000 and $675,000 at December 31, 2022 and 2021, respectively, and was included in other liabilities on the Consolidated Statements of Condition. Losses charged against the liability were $60,000 in 2022 as compared to $219,000 in 2021. These losses relate to mortgages which experienced early payment and other defaults meeting certain representation and warranty recourse requirements. The Company had unfunded commitments to investment partnerships that qualify for CRA purposes totaling $50.9 million and $40.3 million as of December 31, 2022 and 2021, respectively. Of these commitments, on both reporting dates, $7.1 million related to legally-binding unfunded commitments for tax-credit investments and were included within other liabilities on the Consolidated Statements of Condition as of December 31, 2022 and 2021. The Company utilizes an out-sourced securities clearing platform and has agreed to indemnify the clearing broker of Wintrust Investments for losses that it may sustain from the customer accounts introduced by Wintrust Investments. As of December 31, 2022 and 2021, the total amount of customer balances maintained by the clearing broker and subject to indemnification was approximately $15.8 million and $22.5 million, respectively. Wintrust Investments seeks to control the risks associated with its customers’ activities by requiring customers to maintain margin collateral in compliance with various regulatory and internal guidelines. Litigation Matters In accordance with applicable accounting principles, the Company establishes an accrued liability for litigation and threatened litigation actions and proceedings when those actions present loss contingencies, which are both probable and estimable. In actions for which a loss is reasonably possible in future periods, the Company determines whether it can estimate a loss or range of possible loss. To determine whether a possible loss is estimable, the Company reviews and evaluates its material litigation on an ongoing basis, in conjunction with any outside counsel handling the matter, in light of potentially relevant factual and legal developments. This review may include information learned through the discovery process, rulings on substantive or dispositive motions, and settlement discussions. Wintrust Mortgage Matter On October 17, 2018, a former Wintrust Mortgage employee filed a lawsuit in the Superior Court of Los Angeles County, California against Wintrust Mortgage alleging violation of California wage payment statutes on behalf of herself and all other hourly, non-exempt employees of Wintrust Mortgage in California. Wintrust Mortgage received service of the complaint on November 4, 2018. Wintrust Mortgage filed its response to the complaint on February 25, 2019. On November 1, 2019, the plaintiff's counsel filed a letter with the California Department of Labor advising that it was initiating an action under California's Private Attorney General Act statute based on the same alleged violations. In November 2019, the parties reached a settlement agreement. The parties executed a settlement agreement and on February 26, 2020, plaintiff moved the court for approval. A hearing on the motion to approve settlement was originally set for June 16, 2020, but the court continued the motion to September 8, 2020. On September 8, 2020, the court requested the parties make certain changes to the settlement agreement that were immaterial to the parties’ settlement terms. The parties revised the settlement agreement consistent with the court's recommendations and submitted the revised settlement agreement to the court for its approval. On January 27, 2021, the court entered its preliminary approval of the settlement. After no class members opted out or objected to the settlement, the court issued its final approval of the settlement on June 17, 2021 and on June 18, 2021, Wintrust Mortgage tendered the settlement amount to the class claims administrator. Payments to class members have been completed and this matter is closed. The Company had reserved an amount for this settlement that is immaterial to its results of operations or financial condition. Wintrust Mortgage California PAGA Matter On May 24, 2022, a former Wintrust Mortgage employee filed a California Private Attorney General Act (“PAGA”) suit, not individually, but as representative of all Wintrust Mortgage’s California hourly employees, against Wintrust Mortgage in the Superior Court of San Diego County, California. Plaintiff alleges Wintrust Mortgage failed to provide: (i) accurate sick leave accrual and pay; (ii) overtime wages; (iii) accurately itemized wage statements; (iv) meal breaks and meal premiums; (v) timely payment of earned wages; (vi) payment of all earned wages; and (vii) payment of all vested vacation hours. Wintrust Mortgage disputes the validity of Plaintiff’s claims and believes, to the extent there were defects in complying with California law governing the payment of compensation to Plaintiff, such errors would have been de minimis. Plaintiff also has an arbitration agreement with a collective and class action waiver. On January 19, 2023, Wintrust Mortgage moved to compel arbitration. The court entered and continued the motion until June 23, 2023 and stayed further proceedings in anticipation of a California Supreme Court decision on PAGA arbitrations. We believe plaintiff’s allegations to be legally and factually meritless and otherwise lack sufficient information to estimate the amount of any potential liability. Wintrust Mortgage Fair Lending Matter On May 25, 2022, a Wintrust Mortgage customer filed a putative class action and asserted individual claims against Wintrust Mortgage and Wintrust Financial Corporation in the District Court for the Northern District of Illinois. Plaintiff alleges that Wintrust Mortgage discriminated against black/African American borrowers and brings class claims under the Equal Credit Opportunity Act, Sections 1981 and 1982 under Chapter 42 of the United States Code; and the Fair Housing Act of 1968. Plaintiff also asserts individual claims under theories of promissory estoppel, fraudulent inducement, and breach of contract. On September 23, 2022, Wintrust filed a motion to dismiss the plaintiff’s amended compliant. The motion to dismiss has been fully briefed and the parties are awaiting a decision by the court. We vigorously dispute these allegations, believe them to be legally and factually meritless, and otherwise lack sufficient information to estimate the amount of any potential liability. Wintrust ERISA Matter On July 29, 2022, a former Wintrust employee filed a class action in the District Court for the Northern District of Illinois asserting claims under the federal Employee Retirement Income Security Act (“ERISA”) against Wintrust. Plaintiff alleges Wintrust breached its fiduciary duty in the selection of BlackRock Target Date funds for inclusion in its 401(k) plan, that Wintrust failed to monitor the performance of those funds, and in the alternative, Wintrust should be liable for breach of trust. Plaintiff’s sole basis for the allegations is that BlackRock Target Date funds allegedly performed more poorly than two comparable funds over a three year period. On November 8, 2022, Wintrust filed a motion to dismiss the plaintiff’s amended complaint. The motion has been fully briefed. We believe plaintiff’s allegations to be legally and factually meritless and otherwise lack sufficient information to estimate the amount of any potential liability. Other Matters In addition, the Company and its subsidiaries, from time to time, are subject to pending and threatened legal action and proceedings arising in the ordinary course of business. Based on information currently available and upon consultation with counsel, management believes that the eventual outcome of any pending or threatened legal actions and proceedings described above, including our ordinary course litigation, will not have a material adverse effect on the operations or financial condition of the Company. However, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to the results of operations or financial condition for a particular period.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The Company primarily enters into derivative financial instruments as part of its strategy to manage its exposure to changes in interest rates. Derivative instruments represent contracts between parties that result in one party delivering cash to the other party based on a notional amount and an underlying term (such as a rate, security price or price index or commodity price) as specified in the contract. The amount of cash delivered from one party to the other is determined based on the interaction of the notional amount of the contract with the underlying term. Derivatives are also implicit in certain contracts and commitments. The derivative financial instruments currently used by the Company to manage its exposure to interest rate risk include: (1) interest rate swaps and collars to manage the interest rate risk of certain fixed and variable rate assets and variable rate liabilities; (2) interest rate lock commitments provided to customers to fund certain mortgage loans to be sold into the secondary market; (3) forward commitments for the future delivery of such mortgage loans to protect the Company from adverse changes in interest rates and corresponding changes in the value of mortgage loans held-for-sale; (4) covered call options to economically hedge specific investment securities and receive fee income, effectively enhancing the overall yield on such securities to compensate for net interest margin compression; and (5) options and swaps to economically hedge a portion of the fair value adjustments related to the Company’s mortgage servicing rights portfolio. The Company also enters into derivatives (typically interest rate swaps and commodity forward contracts) with certain qualified borrowers to facilitate the borrowers’ risk management strategies and concurrently enters into mirror-image derivatives with a third party counterparty, effectively making a market in the derivatives for such borrowers. Additionally, the Company enters into foreign currency contracts to manage foreign exchange risk associated with certain foreign currency denominated assets. The Company recognizes derivative financial instruments in the consolidated financial statements at fair value regardless of the purpose or intent for holding the instrument. The Company records derivative assets and derivative liabilities on the Consolidated Statements of Condition within accrued interest receivable and other assets and accrued interest payable and other liabilities, respectively. Changes in the fair value of derivative financial instruments are either recognized in income or in shareholders’ equity as a component of accumulated other comprehensive income or loss depending on whether the derivative financial instrument qualifies for hedge accounting and, if so, whether it qualifies as a fair value hedge or cash flow hedge. Changes in fair values of derivatives accounted for as fair value hedges are recorded in income in the same period and in the same income statement line as changes in the fair values of the hedged items that relate to the hedged risk(s). Changes in fair values of derivative financial instruments accounted for as cash flow hedges are recorded as a component of accumulated other comprehensive income or loss, net of deferred taxes, and reclassified to earnings when the hedged transaction affects earnings. Changes in fair values of derivative financial instruments not designated in a hedging relationship pursuant to ASC 815 are reported in non-interest income during the period of the change. Derivative financial instruments are valued by a third party and are corroborated by comparison with valuations provided by the respective counterparties. Fair values of certain mortgage banking derivatives (interest rate lock commitments and forward commitments to sell mortgage loans) are estimated based on changes in mortgage interest rates from the date of the loan commitment. The fair value of foreign currency derivatives is computed based on changes in foreign currency rates stated in the contract compared to those prevailing at the measurement date. Commodity derivative fair values are computed based on changes in the price per unit stated in the contract compared to those prevailing at the measurement date. The table below presents the fair value of the Company’s derivative financial instruments as of December 31, 2022 and December 31, 2021: Derivative Assets Derivative Liabilities (In thousands) December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Derivatives designated as hedging instruments under ASC 815: Interest rate derivatives designated as Cash Flow Hedges $ — $ 47,309 $ 58,198 $ 10,401 Interest rate derivatives designated as Fair Value Hedges 16,768 1,474 — 5,841 Total derivatives designated as hedging instruments under ASC 815 $ 16,768 $ 48,783 $ 58,198 $ 16,242 Derivatives not designated as hedging instruments under ASC 815: Interest rate derivatives $ 269,670 $ 103,710 $ 271,109 $ 103,665 Interest rate lock commitments 1,711 10,560 58 885 Forward commitments to sell mortgage loans 220 1,625 414 1,878 Commodity forward contracts 257 — 162 — Foreign exchange contracts 8,222 330 8,137 330 Total derivatives not designated as hedging instruments under ASC 815 $ 280,080 $ 116,225 $ 279,880 $ 106,758 Total Derivatives $ 296,848 $ 165,008 $ 338,078 $ 123,000 Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using interest rate derivatives are to add stability to net interest income and to manage its exposure to interest rate movements. To accomplish these objectives, the Company primarily uses interest rate swaps and interest rate collars as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable-rate amounts to or from a counterparty in exchange for the Company receiving or paying fixed-rate payments over the life of the agreements without the exchange of the underlying notional amount. Interest rate collars designated as cash flow hedges involve the settlement of amounts in which the interest rate specified in the contract exceeds the agreed upon cap strike price or in which the interest rate specified in the contract is below the agreed upon floor strike price at the end of each period. As of December 31, 2022, the Company had various interest rate collar derivatives designated as cash flow hedges of variable rate loans. When the relationship between the hedged item and hedging instrument is highly effective at achieving offsetting changes in cash flows attributable to the hedged risk, changes in the fair value of these cash flow hedges are recorded in accumulated other comprehensive income or loss and are subsequently reclassified to interest income as interest payments are made on such variable rate loans. The changes in fair value (net of tax) are separately disclosed in the Consolidated Statements of Comprehensive Income. The table below provides details on these cash flow hedges, summarized by derivative type and maturity, as of December 31, 2022: (In thousands) December 31, 2022 Notional Fair Value Interest Rate Collars: 1-month CME term SOFR; buy 2.250% floor, sell 3.743% cap; matures September 2025 $ 1,250,000 $ (20,446) 1-month CME term SOFR; buy 2.750% floor, sell 4.320% cap; matures October 2026 500,000 (1,473) 1-month CME term SOFR; buy 2.000% floor, sell 3.450% cap; matures September 2027 1,250,000 (36,279) Total Cash Flow Hedges $ 3,000,000 $ (58,198) In the first quarter of 2022, the Company terminated interest rate swap derivative contracts designated as cash flow hedges of variable rate deposits with a total notional value of $1.0 billion and a five-year term effective July 2022. At the time of termination, the fair value of the derivative contracts totaled an asset of $66.5 million, with such adjustments to fair value recorded in accumulated other comprehensive income or loss. In the second quarter of 2022, the Company terminated two additional interest rate swap derivative contracts designated as cash flow hedges of variable rate deposits with a total notional value of $500.0 million each effective since April 2020. The remaining terms of such derivative contracts were through March 2023 and April 2024 and, at the time of termination, the fair value of the derivative contracts totaled assets of $3.7 million and $10.7 million, respectively, with such adjustments to fair value recorded in accumulated other comprehensive income or loss. In the fourth quarter of 2022, the Company terminated one additional interest rate collar derivative contract designated as a cash flow hedge of the Term Facility with a total notional value of $64.3 million effective since September 2018. The remaining term of such derivative contract was through September 2023 and, at the time of termination, the fair value of the derivative contract totaled an asset of $875,000, with such adjustments to fair value recorded in accumulated other comprehensive income or loss. For all such terminations, as the hedged forecasted transactions (interest payments on variable rate deposits and the Term Facility) are still expected to occur over the remaining term of such terminated derivatives, such adjustments will remain in accumulated other comprehensive income or loss and be reclassified as a reduction to interest expense on a straight-line basis over the original term of the terminated derivative contracts. A rollforward of the amounts in accumulated other comprehensive income or loss related to interest rate derivatives designated as cash flow hedges, including such derivative contracts terminated during the period, follows: Years Ended December 31, (In thousands) 2022 2021 Unrealized gain (loss) at beginning of period $ 36,908 $ (31,533) Amount reclassified from accumulated other comprehensive income or loss to interest expense on deposits, loans, other borrowings and junior subordinated debentures (3,319) 26,883 Amount of (loss) gain recognized in other comprehensive income or loss (23,563) 41,558 Unrealized gain at end of period $ 10,026 $ 36,908 As of December 31, 2022, the Company estimated that during the next 12 months, $11.0 million will be reclassified from accumulated other comprehensive income or loss as a decrease to net interest income. Such estimate consists of $20.3 million reclassified as a reduction to interest expense on the terminated cash flow hedges discussed above, more than offset by estimated amounts to be reclassified as a reduction to interest income related to the interest rate collars noted above that remain outstanding. Fair Value Hedges of Interest Rate Risk Interest rate swaps designated as fair value hedges involve the payment of fixed amounts to a counterparty in exchange for the Company receiving variable payments over the life of the agreements without the exchange of the underlying notional amount. As of December 31, 2022, the Company has 14 interest rate swaps with an aggregate notional amount of $207.2 million that were designated as fair value hedges primarily associated with fixed rate commercial and industrial and commercial real estate loans as well as life insurance premium finance receivables. For derivatives designated and that qualify as fair value hedges, the net gain or loss from the entire change in the fair value of the derivative instrument is recognized in the same income statement line item as the earnings effect, including the net gain or loss, of the hedged item (interest income earned on fixed rate loans) when the hedged item affects earnings. The following table presents the carrying amount of the hedged assets/(liabilities) and the cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) that are designated as a fair value hedge accounting relationship as of December 31, 2022: December 31, 2022 (In thousands) Derivatives in Fair Value Hedging Relationships Location in the Statement of Condition Carrying Amount of the Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets (Liabilities) for which Hedge Accounting has been Discontinued Interest rate swaps Loans, net of unearned income $ 189,587 $ (16,719) $ (107) Available-for-sale debt securities 923 (23) — The following table presents the gain or loss recognized related to derivative instruments that are designated as fair value hedges for the respective period: (In thousands) Derivatives in Fair Value Location of Gain or (Loss) Recognized in Income on Derivative Year Ended 2022 Interest rate swaps Interest and fees on loans $ 10 Interest income - investment securities — Non-Designated Hedges The Company does not use derivatives for speculative purposes. Derivatives not designated as accounting hedges are used to manage the Company’s economic exposure to interest rate movements and other identified risks but do not meet the strict hedge accounting requirements of ASC 815. Changes in the fair value of derivatives not designated in hedging relationships are recorded directly in earnings. Interest Rate Derivatives —Periodically, the Company may purchase interest rate cap derivatives designed to act as an economic hedge of the risk of the negative impact on its fixed-rate loan portfolios from rising interest rates, most recently related to the LIBOR index. As of December 31, 2022, there were no interest rate caps outstanding that were designed to act as an economic hedge. During 2022, the Company terminated an interest rate cap derivative contract related to LIBOR that was not designated as an accounting hedge with a total notional value of $1.0 billion. Additionally, the Company has interest rate derivatives, including swaps and option products, resulting from a service the Company provides to certain qualified borrowers. The Company’s banking subsidiaries execute certain derivative products (typically interest rate swaps) directly with qualified commercial borrowers to facilitate their respective risk management strategies. For example, these arrangements allow the Company’s commercial borrowers to effectively convert a variable rate loan to a fixed rate. In order to minimize the Company’s exposure on these transactions, the Company simultaneously executes offsetting derivatives with third parties. In most cases, the offsetting derivatives have mirror-image terms, which result in the positions’ changes in fair value substantially offsetting through earnings each period. However, to the extent that the derivatives are not a mirror-image and because of differences in counterparty credit risk, changes in fair value will not completely offset resulting in some earnings impact each period. Changes in the fair value of these derivatives are included in other non-interest income. At December 31, 2022, the Company had interest rate derivative transactions with an aggregate notional amount of approximately $9.6 billion (all interest rate swaps and caps with customers and third parties) related to this program. These interest rate derivatives had maturity dates ranging from January 2023 to January 2037. Mortgage Banking Derivatives— These derivatives include interest rate lock commitments provided to customers to fund certain mortgage loans to be sold into the secondary market and forward commitments for the future delivery of such loans. It is the Company’s practice to enter into forward commitments for the future delivery of a portion of our residential mortgage loan production when interest rate lock commitments are entered into in order to economically hedge the effect of future changes in interest rates on its commitments to fund the loans as well as on its portfolio of mortgage loans held-for-sale. The Company’s mortgage banking derivatives have not been designated as being in hedge relationships. At December 31, 2022, the Company had interest rate lock commitments with an aggregate notional amount of approximately $121.6 million and forward commitments to sell mortgage loans with an aggregate notional amount of approximately $321.0 million. The fair values of these derivatives were estimated based on changes in mortgage rates from the dates of the commitments. Changes in the fair value of these mortgage banking derivatives are included in mortgage banking revenue. Commodity Derivatives— The Company has commodity forward contracts resulting from a service the Company provides to certain qualified borrowers. The Company’s banking subsidiaries execute certain derivative products directly with qualified commercial borrowers to facilitate their respective risk management strategies. For example, these arrangements allow the Company’s commercial borrowers to effectively purchase or sell a given commodity at an agreed-upon price on an agreed-upon settlement date. In order to minimize the Company’s exposure on these transactions, the Company simultaneously executes offsetting derivatives with third parties. In most cases, the offsetting derivatives have mirror-image terms, which result in the positions’ changes in fair value substantially offsetting through earnings each period. However, to the extent that the derivatives are not a mirror-image and because of differences in counterparty credit risk, changes in fair value will not completely offset resulting in some earnings impact each period. Changes in the fair value of these derivatives are included in other non-interest income. At December 31, 2022, the Company had commodity derivative transactions with an aggregate notional amount of approximately $3.6 million (all forward contracts with customers and third parties) related to this program. These commodity derivatives had maturity dates ranging from January 2023 to December 2023. There were no commodity derivatives outstanding as of December 31, 2021. Foreign Currency Derivatives— The Company has foreign currency derivative contracts resulting from a service the Company provides to certain qualified customers. The Company’s banking subsidiaries execute certain derivative products directly with qualified customers to facilitate their respective risk management strategies related to foreign currency fluctuations. For example, these arrangements allow the Company’s customers to effectively exchange the currency of one country for the currency of another country at an agreed-upon price on an agreed-upon settlement date. In order to minimize the Company’s exposure on these transactions, the Company simultaneously executes offsetting derivatives with third parties. In most cases, the offsetting derivatives have mirror-image terms, which result in the positions’ changes in fair value substantially offsetting through earnings each period. However, to the extent that the derivatives are not a mirror-image and because of differences in counterparty credit risk, changes in fair value will not completely offset resulting in some earnings impact each period. Changes in the fair value of these derivatives are included in other non-interest income. As of December 31, 2022, the Company held foreign currency derivatives with an aggregate notional amount of approximately $226.2 million. Other Derivatives— Periodically, the Company will sell options to a bank or dealer for the right to purchase certain securities held within the banks’ investment portfolios (covered call options). These option transactions are designed to increase the total return associated with the investment securities portfolio. These options do not qualify as accounting hedges pursuant to ASC 815 and, accordingly, changes in fair value of these contracts are recognized as other non-interest income. There were no covered call options outstanding as of December 31, 2022 or December 31, 2021. Periodically, the Company will purchase options for the right to purchase securities not currently held within the banks’ investment portfolios or enter into interest rate swaps in which the Company elects to not designate such derivatives as hedging instruments. These option and swap transactions are designed primarily to economically hedge a portion of the fair value adjustments related to the Company’s mortgage servicing rights portfolio. The gain or loss associated with these derivative contracts are included in mortgage banking revenue. As of December 31, 2022, the Company held three interest rate derivatives with an aggregate notional value of $190.0 million for such purpose of economically hedging a portion of the fair value adjustment related to its mortgage servicing rights portfolio. There were no such options or swaps outstanding as of December 31, 2021. Amounts included in the Consolidated Statements of Income related to derivative instruments not designated in hedge relationships were as follows: (In thousands) Years Ended Derivative Location in income statement 2022 2021 Interest rate swaps and caps Trading gains (losses), net $ 3,603 $ 139 Mortgage banking derivatives Mortgage banking revenue (23,470) (42,652) Commodity contracts Trading gains (losses), net 95 — Foreign exchange contracts Trading gains (losses), net 85 (10) Covered call options Fees from covered call options 14,133 3,673 Derivative contract held as economic hedge on MSRs Mortgage banking revenue (2,165) — Credit Risk Derivative instruments have inherent risks, primarily market risk and credit risk. Market risk is associated with changes in interest rates and credit risk relates to the risk that the counterparty will fail to perform according to the terms of the agreement. The amounts potentially subject to market and credit risks are the streams of interest payments under the contracts and the market value of the derivative instrument and not the notional principal amounts used to express the volume of the transactions. Market and credit risks are managed and monitored as part of the Company’s overall asset-liability management process, except that the credit risk related to derivatives entered into with certain qualified borrowers is managed through the Company’s standard loan underwriting process since these derivatives are secured through collateral provided by the loan agreements. Actual exposures are monitored against various types of credit limits established to contain risk within parameters. When deemed necessary, appropriate types and amounts of collateral are obtained to minimize credit exposure. The Company has agreements with certain of its interest rate derivative counterparties that contain cross-default provisions, which provide that if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. The Company also has agreements with certain of its derivative counterparties that contain a provision allowing the counterparty to terminate the derivative positions if the Company fails to maintain its status as a well or adequately capitalized institution, which would require the Company to settle its obligations under the agreements. As of December 31, 2022, there were no interest rate derivatives in a net liability position that were subject to such agreements. The fair value of such derivatives includes accrued interest related to these agreements. The Company is also exposed to the credit risk of its commercial borrowers who are counterparties to interest rate derivatives with the banks. This counterparty risk related to the commercial borrowers is managed and monitored through the banks’ standard underwriting process applicable to loans since these derivatives are secured through collateral provided by the loan agreement. The counterparty risk associated with the mirror-image swaps executed with third parties is monitored and managed in connection with the Company’s overall asset liability management process. The Company records interest rate derivatives subject to master netting agreements at their gross value and does not offset derivative assets and liabilities on the Consolidated Statements of Condition. The table below summarizes the Company’s interest rate derivatives and offsetting positions as of the dates shown. Derivative Assets Derivative Liabilities Fair Value Fair Value (In thousands) December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Gross Amounts Recognized $ 286,438 $ 152,493 $ 329,307 $ 119,907 Less: Amounts offset in the Statements of Condition — — — — Net amount presented in the Statements of Condition $ 286,438 $ 152,493 $ 329,307 $ 119,907 Gross amounts not offset in the Statements of Condition Offsetting Derivative Positions $ (64,100) $ (52,832) $ (64,100) $ (52,832) Collateral Posted (194,666) (3,530) — (55,201) Net Credit Exposure $ 27,672 $ 96,131 $ 265,207 $ 11,874

Fair Value of Assets and Liabil

Fair Value of Assets and Liabilities	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value of Assets and Liabilities	Fair Value of Assets and Liabilities The Company measures, monitors and discloses certain of its assets and liabilities on a fair value basis. These financial assets and financial liabilities are measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the observability of the inputs used to determine fair value. These levels are: • Level 1 — unadjusted quoted prices in active markets for identical assets or liabilities. • Level 2 — inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability or inputs that are derived principally from or corroborated by observable market data by correlation or other means. • Level 3 — significant unobservable inputs that reflect the Company’s own assumptions that market participants would use in pricing the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. A financial instrument’s categorization within the above valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the assets or liabilities. The following is a description of the valuation methodologies used for the Company’s assets and liabilities measured at fair value on a recurring basis. Available-for-sale debt securities, trading account securities and equity securities with readily determinable fair value — Fair values for available-for-sale debt securities, trading account securities and equity securities with readily determinable fair value are typically based on prices obtained from independent pricing vendors. Securities measured with these valuation techniques are generally classified as Level 2 of the fair value hierarchy. Typically, standard inputs such as benchmark yields, reported trades for similar securities, issuer spreads, benchmark securities, bids, offers and reference data including market research publications are used to determine the fair value these securities. When these inputs are not available, broker/dealer quotes may be obtained by the vendor to determine the fair value of the security. We review the vendor’s pricing methodologies to determine if observable market information is being used, versus unobservable inputs. Fair value measurements using significant inputs that are unobservable in the market due to limited activity or a less liquid market are classified as Level 3 in the fair value hierarchy. The fair value of U.S. Treasury securities and certain equity securities with readily determinable fair value are based on unadjusted quoted prices in active markets for identical securities. As such, these securities are classified as Level 1 in the fair value hierarchy. The Company’s Investment Operations Department is responsible for the valuation of Level 3 available-for-sale debt securities. The methodology and variables used as inputs in pricing Level 3 securities are derived from a combination of observable and unobservable inputs. The unobservable inputs are determined through internal assumptions that may vary from period to period due to external factors, such as market movement and credit rating adjustments. At December 31, 2022, the Company classified $117.5 million of municipal securities as Level 3. These municipal securities are bond issues for various municipal government entities primarily located in the Chicago metropolitan area and southern Wisconsin and are privately placed, non-rated bonds without CUSIP numbers. The Company’s methodology for pricing these securities focuses on three distinct inputs: equivalent rating, yield and other pricing terms. To determine the rating for a given non-rated investment debt security, the Investment Operations Department references a rated, publicly issued bond by the same issuer if available. A reduction is then applied to the rating obtained from the comparable bond, as the Company believes if liquidated, a non-rated bond would be valued less than a similar bond with a verifiable rating. The reduction applied by the Company is one complete rating grade (i.e., a “AA” rating for a comparable bond would be reduced to “A” for the Company’s valuation). For bond issues without comparable bond proxies, a rating of “BBB” was assigned. For the year ended December 31, 2022, all of the ratings derived by the Investment Operations Department using the above process were “BBB” or better. The fair value measurement noted above is sensitive to the rating input, as a higher rating typically results in an increased valuation. The remaining pricing inputs used in the bond valuation are observable. Based on the rating determined in the above process, Investment Operations obtains a corresponding current market yield curve available to market participants. Other terms including coupon, maturity date, redemption price, number of coupon payments per year, and accrual method are obtained from the individual bond term sheets. Certain municipal bonds held by the Company at December 31, 2022 are continuously callable. When valuing these bonds, the fair value is capped at par value as the Company assumes a market participant would not pay more than par for a continuously callable bond. Mortgage loans held-for-sale — The fair value of mortgage loans held-for-sale is typically determined by reference to investor price sheets for loan products with similar characteristics. Loans measured with this valuation technique are classified as Level 2 in the fair value hierarchy. At December 31, 2022, the Company classified $48.7 million of certain delinquent mortgage loans held-for-sale as Level 3. For such delinquent loans in which investor interest may be limited, the Company estimates fair value by discounting future scheduled cash flows for the specific loan through its life, adjusted for estimated credit losses. The Company uses a discount rate based on prevailing market coupon rates on loans with similar characteristics. The assumed weighted average discount rate used as an input to value these loans at December 31, 2022 was 6.21%. The higher the rate utilized to discount estimated future cash flows, the lower the fair value measurement. Additionally, the weighted average credit discount used as an input to value the specific loans was 0.33% with a credit loss discount ranging from 0% to 12% at December 31, 2022. Loans held-for-investment — The fair value for certain loans in which the Company previously elected the fair value option is estimated by discounting future scheduled cash flows for the specific loan through maturity, adjusted for estimated credit losses and prepayment or life assumptions. These loans primarily consist of early buyout loans guaranteed by U.S. government agencies that are delinquent and, as a result, investor interest may be limited. The Company uses a discount rate based on the actual coupon rate of the underlying loan. At December 31, 2022, the Company classified $84.2 million of loans held-for-investment carried at fair value as Level 3. The assumed weighted average discount rate used as an input to value these loans at December 31, 2022 was 6.26%. The higher the rate utilized to discount estimated future cash flows, the lower the fair value measurement. As noted above, the fair value estimate also includes assumptions of prepayment speeds and average life as well as credit losses. The weighted average prepayments speed used as an input to value current loans was 6.62% at December 31, 2022. Prepayment speeds are inversely related to the fair value of these loans as an increase in prepayment speeds results in a decreased valuation. For delinquent loans in which performance is not assumed and there is a higher probability of resolution of the loan ending in foreclosure, the weighted average life of such loans was 5.8 years. Average life is inversely related to the fair value of these loans as an increase in estimated life results in a decreased valuation. Additionally, the weighted average credit discount used as an input to value the specific loans was 0.77% with credit loss discounts ranging from 0% to 12% at December 31, 2022. MSRs — Fair value for MSRs is determined utilizing a valuation model which calculates the fair value of each servicing right based on the present value of estimated future cash flows. The Company uses a discount rate commensurate with the risk associated with each servicing right, given current market conditions. At December 31, 2022, the Company classified $230.2 million of MSRs as Level 3. The weighted average discount rate used as an input to value the pool of MSRs at December 31, 2022 was 10.30% with discount rates applied ranging from 7% to 24%. The higher the rate utilized to discount estimated future cash flows, the lower the fair value measurement. The fair value of MSRs was also estimated based on other assumptions including prepayment speeds and the cost to service. Prepayment speeds ranged from 0% to 100% or a weighted average prepayment speed of 6.62%. Further, for current and delinquent loans, the Company assumed a weighted average cost of servicing of $75 and $343, respectively, per loan. Prepayment speeds and the cost to service are both inversely related to the fair value of MSRs as an increase in prepayment speeds or the cost to service results in a decreased valuation. See Note (6) “Mortgage Servicing Rights (“MSRs”)” for further discussion of MSRs. Derivative instruments — The Company’s derivative instruments include interest rate swaps, caps and collars, commitments to fund mortgages for sale into the secondary market (interest rate locks), forward commitments to end investors for the sale of mortgage loans, commodity future contracts and foreign currency contracts. Interest rate swaps, caps and collars and commodity future contracts are valued by a third party, using models that primarily use market observable inputs, such as yield curves and commodity prices prevailing at the measurement date, and are classified as Level 2 in the fair value hierarchy. The credit risk associated with derivative financial instruments that are subject to master netting agreements is measured on a net basis by counterparty portfolio. The fair value for mortgage-related derivatives is based on changes in mortgage rates from the date of the commitments. The fair value of foreign currency derivatives is computed based on change in foreign currency rates stated in the contract compared to those prevailing at the measurement date. At December 31, 2022, the Company classified $1.7 million of derivative assets related to interest rate locks as Level 3. The fair value of interest rate locks is based on prices obtained for loans with similar characteristics from third parties, adjusted for the pull-through rate, which represents the Company’s best estimate of the likelihood that a committed loan will ultimately fund. The weighted-average pull-through rate at December 31, 2022 was 86.12% with pull-through rates applied ranging from 35% to 100%. Pull-through rates are directly related to the fair value of interest rate locks as an increase in the pull-through rate results in an increased valuation. Nonqualified deferred compensation assets — The underlying assets relating to the nonqualified deferred compensation plan are included in a trust and primarily consist of non-exchange traded institutional funds which are priced based by an independent third party service. These assets are classified as Level 2 in the fair value hierarchy. The following tables present the balances of assets and liabilities measured at fair value on a recurring basis for the periods presented: December 31, 2022 (In thousands) Total Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury $ 14,948 $ 14,948 $ — $ — U.S. government agencies 74,222 — 74,222 — Municipal 168,655 — 51,118 117,537 Corporate notes 85,705 — 85,705 — Mortgage-backed 2,899,487 — 2,899,487 — Trading account securities 1,127 — 1,127 — Equity securities with readily determinable fair value 110,365 102,299 8,066 — Mortgage loans held-for-sale 299,935 — 251,280 48,655 Loans held-for-investment 179,932 — 95,767 84,165 MSRs 230,225 — — 230,225 Nonqualified deferred compensations assets 13,899 — 13,899 — Derivative assets 296,848 — 295,137 1,711 Total $ 4,375,348 $ 117,247 $ 3,775,808 $ 482,293 Derivative liabilities $ 338,078 $ — $ 338,078 $ — December 31, 2021 (In thousands) Total Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury $ — $ — $ — $ — U.S. government agencies 52,507 — 52,507 — Municipal 165,594 — 59,907 105,687 Corporate notes 95,704 — 95,704 — Mortgage-backed 2,013,988 — 2,013,988 — Trading account securities 1,061 — 1,061 — Equity securities with readily determinable fair value 90,511 82,445 8,066 — Mortgage loans held-for-sale 817,912 — 817,912 — Loans held-for-investment 38,598 — 22,707 15,891 MSRs 147,571 — — 147,571 Nonqualified deferred compensations assets 16,240 — 16,240 — Derivative assets 165,008 — 154,448 10,560 Total $ 3,604,694 $ 82,445 $ 3,242,540 $ 279,709 Derivative liabilities $ 123,000 $ — $ 123,000 $ — The aggregate remaining contractual principal balance outstanding as of December 31, 2022 and 2021 for mortgage loans held- for-sale measured at fair value under ASC 825 was $308.9 million and $801.6 million, respectively, while the aggregate fair value of mortgage loans held-for-sale was $299.9 million and $817.9 million, respectively, as shown in the above tables. At December 31, 2022, $5.8 million of mortgage loans held-for-sale were classified as nonaccrual. Additionally, there were $44.0 million of loans past due greater than 90 days and still accruing interest within the mortgage loans held-for-sale portfolio as of December 31, 2022 compared to $125.5 million as of December 31, 2021. All of the nonaccrual loans and loans past due greater than 90 days and still accruing within the mortgage loans held-for-sale portfolio as of December 31, 2022 were individual delinquent mortgage loans bought back from GNMA at the unconditional option of the Company as servicer for those loans. The aggregate remaining contractual principal balance outstanding as of December 31, 2022 and 2021 for mortgage loans held- for-investment measured at fair value under ASC 825 was $184.0 million and $38.4 million, respectively, while the aggregate fair value of mortgage loans held-for-investment was $179.9 million and $38.6 million million, respectively, as shown in the above tables. The changes in Level 3 assets measured at fair value on a recurring basis during the years ended December 31, 2022 and 2021 are summarized as follows: (In thousands) Municipal Mortgage loans held-for-sale U.S. government agencies Loans held-for-investment MSRs Derivative assets Balance at January 1, 2022 $ 105,687 $ — $ — $ 15,891 $ 147,571 $ 10,560 Total net gains (losses) included in: Net income (1) — (2,749) — (4,177) 82,654 (8,849) Other comprehensive income or loss (8,766) — — — — — Purchases 60,546 — — — — — Issuances — — — — — — Sales — — — — — — Settlements (39,930) (43,434) — (38,319) — — Net transfers into/(out of) Level 3 — 94,838 — 110,770 — — Balance at December 31, 2022 $ 117,537 $ 48,655 $ — $ 84,165 $ 230,225 $ 1,711 (In thousands) Municipal Mortgage loans held-for-sale U.S. government agencies Loans held-for-investment MSRs Derivative assets Balance at January 1, 2021 $ 109,876 $ — $ 1,966 $ 10,280 $ 92,081 $ 48,091 Total net gains (losses) included in: Net income (1) — — (4) (293) 55,490 (37,531) Other comprehensive income or loss (4,830) (24) — — — Purchases 38,727 — — — — — Issuances — — — — — — Sales — — — — — — Settlements (38,086) — (1,938) (4,653) — — Net transfers into/(out of) Level 3 — — — 10,557 — — Balance at December 31, 2021 $ 105,687 $ — $ — $ 15,891 $ 147,571 $ 10,560 (1) Changes in the balance of mortgage loans held-for-sale, MSRs and derivative assets related to fair value adjustments are recorded as a component of mortgage banking revenue. Changes in the balance of loans held-for-investment related to fair value adjustments are recorded as other non-interest income. Also, the Company may be required, from time to time, to measure certain other assets at fair value on a non-recurring basis in accordance with GAAP. These adjustments to fair value usually result from impairment charges on individual assets. For assets measured at fair value on a non-recurring basis that were still held in the balance sheet at the end of the period, the following table provides the carrying value of the related individual assets or portfolios at December 31, 2022. December 31, 2022 Year Ended December 31, 2022 Fair Value Losses Recognized, net (In thousands) Total Level 1 Level 2 Level 3 Individually assessed loans - foreclosure probable and collateral-dependent $ 69,019 $ — $ — $ 69,019 $ 16,595 Other real estate owned (1) 9,900 — — 9,900 435 Total $ 78,919 $ — $ — $ 78,919 $ 17,030 (1) Fair value losses recognized, net on other real estate owned include valuation adjustments and charge-offs during the respective period. Individually assessed loans — In accordance with ASC 326, the allowance for credit losses for loans and other financial assets held at amortized cost should be measured on a collective or pooled basis when such assets exhibit similar risk characteristics. In instances in which a financial asset does not exhibit similar risk characteristics to a pool, the Company is required to measure such allowance for credit losses on an individual asset basis. For the Company’s loan portfolio, nonaccrual loans and TDRs are considered to not exhibit similar risk characteristics as pools and thus are individually assessed. Credit losses are measured by estimating the fair value of the loan based on the present value of expected cash flows, the market price of the loan, or the fair value of the underlying collateral. Individually assessed loans are considered a fair value measurement where an allowance for credit loss is established based on the fair value of collateral. Appraised values on relevant real estate properties, which may require adjustments to market-based valuation inputs, are generally used on foreclosure probable and collateral-dependent loans within the real estate portfolios. The Company’s Managed Assets Division is primarily responsible for the valuation of Level 3 inputs of individually assessed loans. For more information on individually assessed loans refer to Note (5) “Allowance for Credit Losses”. At December 31, 2022, the Company had $90.2 million of individually assessed loans classified as Level 3. Of the $90.2 million of individually assessed loans, $69.0 million were measured at fair value based on the underlying collateral of the loan as shown in the table above. The remaining $21.2 million were valued based on discounted cash flows in accordance with ASC 310. Other real estate owned — Other real estate owned is comprised of real estate acquired in partial or full satisfaction of loans and is included in other assets. Other real estate owned is recorded at its estimated fair value less estimated selling costs at the date of transfer, with any excess of the related loan balance over the fair value less expected selling costs charged to the allowance for loan losses. Subsequent changes in value are reported as adjustments to the carrying amount and are recorded in other non-interest expense. Gains and losses upon sale, if any, are also charged to other non-interest expense. Fair value is generally based on third party appraisals and internal estimates that are adjusted by a discount representing the estimated cost of sale and is therefore considered a Level 3 valuation. The Company’s Managed Assets Division is primarily responsible for the valuation of Level 3 inputs for other real estate owned. At December 31, 2022, the Company had $9.9 million of other real estate owned classified as Level 3. The unobservable input applied to other real estate owned relates to the 10% reduction to the appraisal value representing the estimated cost of sale of the foreclosed property. A higher discount for the estimated cost of sale results in a decreased carrying value. The valuation techniques and significant unobservable inputs used to measure both recurring and non-recurring Level 3 fair value measurements at December 31, 2022 were as follows: (Dollars in thousands) Fair Value Valuation Methodology Significant Unobservable Input Range Weighted Impact to valuation from an increased Measured at fair value on a recurring basis: Municipal securities $ 117,537 Bond pricing Equivalent rating BBB-AA+ N/A Increase Mortgage loans held-for-sale 48,655 Discounted cash flows Discount rate 6.21 % 6.21 % Decrease Credit discount 0% - 12% 0.33 % Decrease Loans held-for-investment 84,165 Discounted cash flows Discount rate 6.21% - 6.75% 6.26 % Decrease Credit discount 0% - 12% 0.77 % Decrease Constant prepayment rate (CPR) - current loans 6.62 % 6.62 % Decrease Average life - delinquent loans (in years) 1.4 years - 10.0 years 5.8 years Decrease MSRs 230,225 Discounted cash flows Discount rate 7% - 24% 10.30 % Decrease Constant prepayment rate (CPR) 0% - 100% 6.62 % Decrease Cost of servicing $70 - $200 $ 75 Decrease Cost of servicing - delinquent $200 - $1,000 $ 343 Decrease Derivatives 1,711 Discounted cash flows Pull-through rate 35% - 100% 86.12 % Increase Measured at fair value on a non-recurring basis: Individually assessed loans - foreclosure probable and collateral-dependent 69,019 Appraisal value Appraisal adjustment - cost of sale 10 % 10.00 % Decrease Other real estate owned 9,900 Appraisal value Appraisal adjustment - cost of sale 10 % 10.00 % Decrease The Company is required under applicable accounting guidance to report the fair value of all financial instruments on the Consolidated Statements of Condition, including those financial instruments carried at cost. The table below presents the carrying amounts and estimated fair values of the Company’s financial instruments as of the dates shown: December 31, 2022 December 31, 2021 (In thousands) Carrying Fair Carrying Fair Financial Assets: Cash and cash equivalents $ 490,966 $ 490,966 $ 411,205 $ 411,205 Securities sold under agreements to repurchase with original maturities exceeding three months — — 700,000 700,000 Interest-bearing deposits with banks 1,988,719 1,988,719 5,372,603 5,372,603 Available-for-sale securities 3,243,017 3,243,017 2,327,793 2,327,793 Held-to-maturity securities 3,640,567 2,949,821 2,942,285 2,900,694 Trading account securities 1,127 1,127 1,061 1,061 Equity securities with readily determinable fair value 110,365 110,365 90,511 90,511 FHLB and FRB stock, at cost 224,759 224,759 135,378 135,378 Brokerage customer receivables 16,387 16,387 26,068 26,068 Mortgage loans held-for-sale, at fair value 299,935 299,935 817,912 817,912 Loans held-for-investment, at fair value 179,932 179,932 38,598 38,598 Loans held-for-investment, at amortized cost 39,016,553 38,018,678 34,750,506 35,297,878 Nonqualified deferred compensation assets 13,899 13,899 16,240 16,240 Derivative assets 296,848 296,848 165,008 165,008 Accrued interest receivable and other 379,719 379,719 268,921 268,921 Total financial assets $ 49,902,793 $ 48,214,172 $ 48,064,089 $ 48,569,870 Financial Liabilities: Non-maturity deposits $ 38,167,409 $ 38,167,409 $ 38,126,796 $ 38,126,796 Deposits with stated maturities 4,735,135 4,085,058 3,968,789 3,965,372 FHLB advances 2,316,071 2,219,983 1,241,071 1,186,280 Other borrowings 596,614 569,342 494,136 494,670 Subordinated notes 437,392 409,395 436,938 472,684 Junior subordinated debentures 253,566 253,405 253,566 212,226 Derivative liabilities 338,078 338,078 123,000 123,000 Accrued interest payable 22,176 22,176 9,304 9,304 Total financial liabilities $ 46,866,441 $ 46,064,846 $ 44,653,600 $ 44,590,332 Not all the financial instruments listed in the table above are subject to the disclosure provisions of ASC Topic 820, as certain assets and liabilities result in their carrying value approximating fair value. These include cash and cash equivalents, interest bearing deposits with banks, brokerage customer receivables, FHLB and FRB stock, accrued interest receivable and accrued interest payable and non-maturity deposits. The following methods and assumptions were used by the Company in estimating fair values of financial instruments that were not previously disclosed. Held-to-maturity securities — Held-to-maturity securities include U.S. Government-sponsored agency securities, municipal bonds issued by various municipal government entities primarily located in the Chicago metropolitan area and southern Wisconsin and mortgage-backed securities. Fair values for held-to-maturity securities are typically based on prices obtained from independent pricing vendors. In accordance with ASC 820, the Company has generally categorized these held-to-maturity securities as a Level 2 fair value measurement. Fair values for certain other held-to-maturity securities are based on the bond pricing methodology discussed previously related to certain available-for-sale securities. In accordance with ASC 820, the Company has categorized these held-to-maturity securities as a Level 3 fair value measurement. Loans held-for-investment, at amortized cost — Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are analyzed by type such as commercial, residential real estate, etc. Each category is further segmented by interest rate type (fixed and variable) and term. For variable-rate loans that reprice frequently, estimated fair values are based on carrying values. The fair value of residential loans is based on secondary market sources for securities backed by similar loans, adjusted for differences in loan characteristics. The fair value for other fixed rate loans is estimated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect credit and interest rate risks inherent in the loan. In accordance with ASC 820, the Company has categorized loans as a Level 3 fair value measurement. Deposits with stated maturities — The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently in effect for deposits of similar remaining maturities. In accordance with ASC 820, the Company has categorized deposits with stated maturities as a Level 3 fair value measurement. FHLB advances — The fair value of FHLB advances is obtained from the FHLB, which uses a discounted cash flow analysis based on current market rates of similar maturity debt securities to discount cash flows. In accordance with ASC 820, the Company has categorized FHLB advances as a Level 3 fair value measurement. Subordinated notes — The fair value of the subordinated notes is based on a market price obtained from an independent pricing vendor. In accordance with ASC 820, the Company has categorized subordinated notes as a Level 2 fair value measurement. Junior subordinated debentures — The fair value of the junior subordinated debentures is based on the discounted value of contractual cash flows. In accordance with ASC 820, the Company has categorized junior subordinated debentures as a Level 3 fair value measurement.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Shareholders' Equity	Shareholders’ Equity A summary of the Company’s common and preferred stock at December 31, 2022 and 2021 is as follows: 2022 2021 Common Stock: Shares authorized 100,000,000 100,000,000 Shares issued 60,797,270 58,891,780 Shares outstanding 60,794,008 57,054,091 Cash dividend per share $ 1.36 $ 1.24 Preferred Stock: Shares authorized 20,000,000 20,000,000 Shares issued 5,011,500 5,011,500 Shares outstanding 5,011,500 5,011,500 The Company reserves shares of its authorized common stock specifically for the 2022 Plan, the ESPP and the DDFS. The reserved shares and these plans are detailed in Note (18) “Stock Compensation Plans and Other Employee Benefit Plans”. Common Stock Offering In June 2022, the Company sold a total of 3,450,000 shares of its common stock through a public offering. Net proceeds to the Company totaled approximately $285.7 million, net of estimated issuance costs. Series D Preferred Stock In June 2015, the Company issued and sold 5,000,000 shares of fixed-to-floating non-cumulative perpetual preferred stock, Series D, liquidation preference $25 per share (the “Series D Preferred Stock”) for $125.0 million in a public offering. When, as and if declared, dividends on the Series D Preferred Stock are payable quarterly in arrears at a fixed rate of 6.50% per annum from the original issuance date to, but excluding, July 15, 2025, and from (and including) that date (as currently specified in the certificate of designations and subject to the below) at a floating rate equal to three-month LIBOR plus a spread of 4.06% per annum. Under the Adjustable Interest Rate (LIBOR) Act (“AIRLA”) and Part 253 of Regulation ZZ (Rule 253), the dividend rate on the Series D Preferred Stock will, by operation of law, change from 3-month USD LIBOR to 3-month CME Term SOFR plus a statutory tenor spread adjustment of 0.26161%. Consequently, for each floating rate period, commencing on July 15, 2025, any dividends will be paid at a rate of the then-current 3-month CME Term SOFR plus 0.26161%, plus the spread of 4.06% per annum. The calculation agent for the Series D Preferred Stock may also make additional administrative conforming changes to the terms of the Series D Preferred Stock under AIRLA and Rule 253. Series E Preferred Stock In May 2020, the Company issued 11,500 shares of fixed-rate reset non-cumulative perpetual preferred stock, Series E, liquidation preference $25,000 per share (the “Series E Preferred Stock”) as part of a $287.5 million public offering of 11,500,000 depositary shares, each representing a 1/1,000th interest in a share of Series E Preferred Stock. When, as and if declared, dividends on the Series E Preferred Stock are payable quarterly in arrears at a fixed rate of 6.875% per annum from October 15, 2020 to, but excluding, July 15, 2025, and from (and including) July 15, 2025 at a floating rate equal to the Five-Year Treasury Rate (as defined in the certificate of designations for the Series E Preferred Stock) plus 6.507%. Other At the January 2023 Board of Directors meeting, a quarterly cash dividend of $0.40 per share of common stock ($1.60 on an annualized basis) was declared. It was paid on February 23, 2023 to shareholders of record as of February 9, 2023. Accumulated Other Comprehensive Income or Loss The following tables summarize the components of other comprehensive income or loss, including the related income tax effects, and the related amount reclassified to net income for the years ended December 31, 2022, 2021 and 2020: (In thousands) Accumulated Accumulated Accumulated Total Balance at January 1, 2022 $ 8,724 $ 27,111 $ (31,743) $ 4,092 Other comprehensive loss during the period, net of tax, before reclassifications (394,332) (17,295) (17,217) (428,844) Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (321) (2,435) — (2,756) Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (128) — — (128) Net other comprehensive loss during the period, net of tax $ (394,781) $ (19,730) $ (17,217) $ (431,728) Balance at December 31, 2022 $ (386,057) $ 7,381 $ (48,960) $ (427,636) Balance at January 1, 2021 $ 70,737 $ (23,090) $ (32,265) $ 15,382 Other comprehensive (loss) income during the period, net of tax, before reclassifications (61,047) 30,482 522 (30,043) Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (789) 19,719 — 18,930 Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (177) — — (177) Net other comprehensive (loss) income during the period, net of tax $ (62,013) $ 50,201 $ 522 $ (11,290) Balance at December 31, 2021 $ 8,724 $ 27,111 $ (31,743) $ 4,092 Balance at January 1, 2020 $ 14,982 $ (13,141) $ (36,519) $ (34,678) Other comprehensive income (loss) during the period, net of tax, before reclassifications 56,086 (23,497) 4,254 36,843 Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (162) 13,548 — 13,386 Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (169) — — (169) Net other comprehensive income (loss) during the period, net of tax $ 55,755 $ (9,949) $ 4,254 $ 50,060 Balance at December 31, 2020 $ 70,737 $ (23,090) $ (32,265) $ 15,382 Amount Reclassified from Accumulated Other Comprehensive Income (Loss) for the Years Ended, Details Regarding the Component of Accumulated Other Comprehensive Income (Loss) December 31, Impacted Line on the Consolidated Statements of Income 2022 2021 (In thousands) Accumulated unrealized gains on available-for-sale securities Gains included in net income $ 439 $ 1,079 Gains (losses) on investment securities, net 439 1,079 Income before taxes Tax effect (118) (290) Income tax expense Net of tax $ 321 $ 789 Net income Accumulated unrealized gains (losses) on derivative instruments Amount reclassified to interest income on loans $ 1,443 $ — Interest on loans Amount reclassified to interest expense on deposits (5,675) 19,640 Interest on deposits Amount reclassified to interest expense on other borrowings 913 2,560 Interest on other borrowings Amount reclassified to interest expense on junior subordinated debentures — 4,683 Interest on junior subordinated debentures 3,319 (26,883) Income before taxes Tax effect (884) 7,164 Income tax expense Net of tax $ 2,435 $ (19,719) Net income

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Segment Information	Segment Information The Company’s operations consist of three primary segments: community banking, specialty finance and wealth management. The three reportable segments are strategic business units that are separately managed as they offer different products and services and have different marketing strategies. In addition, each segment’s customer base has varying characteristics and each segment has a different regulatory environment. While the Company’s management monitors each of the fifteen bank subsidiaries’ operations and profitability separately, these subsidiaries have been aggregated into one reportable operating segment due to the similarities in products and services, customer base, operations, profitability measures and economic characteristics. For purposes of internal segment profitability, management allocates certain intersegment and parent company balances. Management allocates a portion of revenues to the specialty finance segment related to loans and leases originated by the specialty finance segment and sold or assigned to the community banking segment. Similarly, for purposes of analyzing the contribution from the wealth management segment, management allocates a portion of the net interest income earned by the community banking segment on deposit balances of customers of the wealth management segment to the wealth management segment. See Note (10) “Deposits” for more information on these deposits. Finally, expenses incurred at the Wintrust parent company are allocated to each segment based on each segment’s risk-weighted assets. The segment financial information provided in the following tables has been derived from the internal profitability reporting system used by management to monitor and manage the financial performance of the Company. The accounting policies of the segments are substantially similar to those described in Note (1) “Summary of Significant Accounting Policies”. The Company evaluates segment performance based on after-tax profit or loss and other appropriate profitability measures common to each segment. The following is a summary of certain operating information for reportable segments: (In thousands) Community Specialty Wealth Total Operating Segments Intersegment Eliminations Consolidated 2022 Net interest income $ 1,180,198 $ 246,681 $ 38,304 $ 1,465,183 $ 30,179 $ 1,495,362 Provision for credit losses 74,184 4,405 — 78,589 — 78,589 Non-interest income 298,572 97,701 124,609 520,882 (59,829) 461,053 Non-interest expense 926,298 172,784 107,839 1,206,921 (29,650) 1,177,271 Income tax expense 128,939 46,286 15,648 190,873 — 190,873 Net income $ 349,349 $ 120,907 $ 39,426 $ 509,682 $ — $ 509,682 Total assets at end of year $ 41,368,200 $ 9,826,254 $ 1,755,195 $ 52,949,649 $ — $ 52,949,649 2021 Net interest income $ 868,477 $ 197,958 $ 31,939 $ 1,098,374 $ 26,583 $ 1,124,957 Provision for credit losses (60,309) 1,046 — (59,263) — (59,263) Non-interest income 422,698 95,822 128,951 647,471 (61,351) 586,120 Non-interest expense 912,296 143,526 111,490 1,167,312 (34,768) 1,132,544 Income tax expense 120,092 40,040 11,513 171,645 — 171,645 Net income $ 319,096 $ 109,168 $ 37,887 $ 466,151 $ — $ 466,151 Total assets at end of year $ 40,253,818 $ 8,382,722 $ 1,505,603 $ 50,142,143 $ — $ 50,142,143 2020 Net interest income $ 808,443 $ 177,025 $ 30,612 $ 1,016,080 $ 23,827 $ 1,039,907 Provision for credit losses 206,774 7,446 — 214,220 — 214,220 Non-interest income 469,187 86,268 103,438 658,893 (54,704) 604,189 Non-interest expense 855,797 118,560 96,615 1,070,972 (30,877) 1,040,095 Income tax expense 51,439 36,956 8,396 96,791 — 96,791 Net income $ 163,620 $ 100,331 $ 29,039 $ 292,990 $ — $ 292,990 Total assets at end of year $ 36,769,640 $ 7,015,590 $ 1,295,538 $ 45,080,768 $ — $ 45,080,768

Condensed Parent Company Financ

Condensed Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Condensed Parent Company Financial Statements	Condensed Parent Company Financial Statements Condensed parent company only financial statements of Wintrust follow: Statements of Financial Condition December 31, (In thousands) 2022 2021 Assets Cash $ 266,350 $ 181,157 Available-for-sale debt securities and equity securities with readily determinable fair value 14,771 17,089 Investment in and receivable from subsidiaries 5,282,530 4,966,720 Goodwill 8,371 8,371 Other assets 360,309 354,148 Total assets $ 5,932,331 $ 5,527,485 Liabilities and Shareholders’ Equity Other liabilities $ 183,475 $ 194,681 Subordinated notes 437,392 436,938 Other borrowings 261,060 143,612 Junior subordinated debentures 253,566 253,566 Shareholders’ equity 4,796,838 4,498,688 Total liabilities and shareholders’ equity $ 5,932,331 $ 5,527,485 Statements of Income Years Ended December 31, (In thousands) 2022 2021 2020 Income Dividends and other revenue from subsidiaries $ 120,151 $ 211,774 $ 317,839 Other (losses) income (12,969) 2,763 (1,890) Total income $ 107,182 $ 214,537 $ 315,949 Expenses Interest expense $ 36,522 $ 38,293 $ 39,581 Salaries and employee benefits 138,466 109,142 75,179 Other expenses 155,744 139,816 113,886 Total expenses $ 330,732 $ 287,251 $ 228,646 (Loss) income before income taxes and equity in undistributed income of subsidiaries $ (223,550) $ (72,714) $ 87,303 Income tax benefit 70,490 56,529 42,745 (Loss) income before equity in undistributed net income of subsidiaries $ (153,060) $ (16,185) $ 130,048 Equity in undistributed net income of subsidiaries 662,742 482,336 162,942 Net income $ 509,682 $ 466,151 $ 292,990 Statements of Cash Flows Years Ended December 31, (In thousands) 2022 2021 2020 Operating Activities: Net income $ 509,682 $ 466,151 $ 292,990 Adjustments to reconcile net income to net cash provided by operating activities Losses (gains) on available-for-sale debt securities and equity securities with readily determinable fair value, net 7,018 (1,794) (192) Depreciation and amortization 27,642 28,783 22,224 Deferred income tax (benefit) expense (2,773) (5,350) 11,336 Stock-based compensation expense 13,632 6,769 (2,813) (Increase) decrease in other assets (7,116) 6,598 4,838 (Decrease) increase in other liabilities (6,107) 1,225 2,388 Equity in undistributed net income of subsidiaries (662,742) (482,336) (162,942) Net Cash (Used for) Provided by Operating Activities $ (120,764) $ 20,046 $ 167,829 Investing Activities: Capital contributions to subsidiaries, net $ (69,000) $ (27,000) $ (12,000) Other investing activity, net (30,872) (22,877) (40,127) Net Cash Used for Investing Activities $ (99,872) $ (49,877) $ (52,127) Financing Activities: Increase (decrease) in subordinated notes, other borrowings and junior subordinated debentures, net $ 117,381 $ (23,274) $ (2,690) Proceeds from the issuance of common stock, net 285,729 — — Proceeds from issuance of Series E Preferred Stock, net — — 277,613 Issuance of common shares resulting from exercise of stock options and employee stock purchase plan 11,233 19,824 15,059 Dividends paid (108,210) (98,629) (85,890) Common stock repurchases under authorized program — (9,540) (92,055) Common stock repurchases for tax withholdings related to stock-based compensation (304) — (1,377) Net Cash Provided by (Used for) Financing Activities $ 305,829 $ (111,619) $ 110,660 Net Increase (Decrease) in Cash and Cash Equivalents $ 85,193 $ (141,450) $ 226,362 Cash and Cash Equivalents at Beginning of Year 181,157 322,607 96,245 Cash and Cash Equivalents at End of Year $ 266,350 $ 181,157 $ 322,607

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table sets forth the computation of basic and diluted earnings per common share for 2022, 2021 and 2020: (In thousands, except per share data) 2022 2021 2020 Net income $ 509,682 $ 466,151 $ 292,990 Less: Preferred stock dividends 27,964 27,964 21,377 Net income applicable to common shares (A) $ 481,718 $ 438,187 $ 271,613 Weighted average common shares outstanding (B) 59,205 56,994 57,523 Effect of dilutive potential common shares: Common stock equivalents 886 792 496 Weighted average common shares and effect of dilutive potential common shares (C) 60,091 57,786 58,019 Net income per common share: Basic (A/B) $ 8.14 $ 7.69 $ 4.72 Diluted (A/C) 8.02 7.58 4.68

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Basis of Accounting	The accounting and reporting policies of Wintrust Financial Corporation (“Wintrust” or the “Company”) and its subsidiaries conform to generally accepted accounting principles in the United States and prevailing practices of the banking industry. In the preparation of the consolidated financial statements, management is required to make certain estimates and assumptions that affect the reported amounts contained in the consolidated financial statements. Management believes that the estimates made are reasonable; however, changes in estimates may be required if economic or other conditions change beyond management’s expectations. Reclassifications of certain prior year amounts have been made to conform to the current year presentation. The following is a summary of the Company’s significant accounting policies.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements of Wintrust include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in the consolidated financial statements.
Earnings per Share	Earnings per Share Basic earnings per share is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that would occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then share in the earnings of the Company. The weighted-average number of common shares outstanding is increased by the assumed conversion of any outstanding convertible preferred stock shares from the beginning of the year or date of issuance, if later, and the number of common shares that would be issued assuming the exercise of stock options and the issuance of restricted shares using the treasury stock method. The adjustments to the weighted-average common shares outstanding are only made when such adjustments will dilute earnings per common share. If relevant convertible preferred shares are outstanding during a period, net income applicable to common shares used in the diluted earnings per share calculation may be adjusted to consider potential conversion of such preferred shares. Where the effect of this conversion would reduce the loss per share or increase the income per share, net income applicable to common shares is not adjusted by the associated preferred dividends.
Business Combinations	Business Combinations The Company accounts for business combinations under the acquisition method of accounting in accordance with ASC 805, “Business Combinations” (“ASC 805”) when it obtains control of a business. When determining whether a business has been acquired, the Company first evaluates whether substantially all of the fair value of the gross assets acquired are concentrated in a single identifiable asset or a group of similar identifiable assets. If concentrated in such a manner, the set of assets and activities is not a business. If not concentrated in such a manner, the Company assesses whether the set meets the definition of a business by containing inputs, outputs and at least one substantive process. If the set represents a business, the Company recognizes the fair value of the assets acquired and liabilities assumed, immediately expenses transaction costs and accounts for restructuring plans separately from the business combination. The excess of the cost of the acquisition over the fair value of the net tangible and intangible assets acquired is recorded as goodwill. Alternatively, a gain is recorded equal to the amount by which the fair value of assets purchased exceeds the fair value of liabilities assumed and consideration paid. If the set of assets and activities do not constitute a business, the transaction is accounted for as an asset acquisition. The cost of a group of assets acquired is allocated to the individual assets acquired or liabilities assumed based on the relative fair value and does not result in the recognition of goodwill. Generally, any excess of the cost of the transaction over the fair value of the individual assets acquired or liabilities assumed, or, in contrast, any excess of the fair value of the individual assets acquired or liabilities assumed over the cost of the transaction, should be allocated on a relative fair value basis. Certain "non-qualifying" assets are excluded from this allocation, and are recognized at the individual asset's fair value.
Cash Equivalents	Cash Equivalents For purposes of the consolidated statements of cash flows, Wintrust considers cash on hand, cash items in the process of collection, non-interest bearing amounts due from correspondent banks, federal funds sold and securities purchased under resale agreements with original maturities of three months or less, to be cash equivalents. At December 31, 2021, federal funds sold and securities purchased under resale agreements on the Company’s Consolidated Statements of Condition included approximately $700.0 million of securities sold under agreements to repurchase with original maturities exceeding three months. As a result, such balance was not considered a cash equivalent for purposes of the Company’s Consolidated Statements of Cash Flows for the respective period. There were no securities sold under agreements to repurchase with original maturities exceeding three months at December 31, 2022.
Investment Securities	Investment Securities The Company classifies debt and equity securities upon purchase in one of five categories: trading, held-to-maturity debt securities, available-for-sale debt securities, equity securities with a readily determinable fair value or equity securities without a readily determinable fair value. Debt and equity securities held for resale are classified as trading securities. Debt securities for which the Company has the ability and positive intent to hold until maturity are classified as held-to-maturity. All other debt securities are classified as available-for-sale as they may be sold prior to maturity in response to changes in the Company’s interest rate risk profile, funding needs, demand for collateralized deposits by public entities or other reasons. Equity securities are classified based upon whether a readily determinable fair value exists on such security. The fair value of an equity security is readily determinable if it meets certain conditions, including whether sales prices or bid-ask quotes are currently available on certain securities exchanges; traded only in a foreign market that is of a breadth and scope comparable to one of the U.S. markets; or the security is an investment in a mutual fund or similar structure with a fair value per share or unit that is determined and published, and is the basis for current transactions. Held-to-maturity debt securities are stated at amortized cost, which represents actual cost adjusted for premium amortization and discount accretion using methods that approximate the effective interest method. Available-for-sale debt securities are stated at fair value, with unrealized gains and losses, net of related taxes, included in shareholders’ equity as a separate component of other comprehensive income. Trading account securities and equity securities with a readily determinable fair value are stated at fair value. Realized and unrealized gains and losses from sales and fair value adjustments are included in other non-interest income. Equity securities without a readily determinable fair value are stated at either a calculated net asset value per share, if available, or the cost of the security minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar instrument of the same issuer. Subsequent to classification at the time of purchase, the Company may transfer debt securities between trading, held-to-maturity, or available-for-sale. For debt securities transferred to trading, the current unrealized gain or loss at the date of transfer, net of related taxes, is immediately recognized in earnings. Debt securities transferred from trading to either held-to-maturity or available-for-sale have already recognized any unrealized gain or loss into earnings and this amount is not reversed. Unrealized gains or losses, net related taxes, for available-for-sale debt securities transferred to held-to-maturity remain as a separate component of other comprehensive income and an offsetting discount is included in the amortized cost of the held-to-maturity debt security. These amounts are amortized over the remaining life of the debt security in equal and offsetting amounts. Unrealized gains or losses for held-to-maturity debt securities transferred to available-for-sale are recognized at the transfer date as a separate component of other comprehensive income, net of related taxes. Declines in the fair value of held-to-maturity and available-for-sale debt investment securities (with certain exceptions for debt securities noted below) that are deemed to be credit losses are charged to the allowance for credit losses. In evaluating credit impairment, management considers the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value in the near term. Declines in the fair value of debt securities below amortized cost are deemed to be credit losses in circumstances where: (1) the Company has the intent to sell a security; (2) it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis; or (3) the Company does not expect to recover the entire amortized cost basis of the debt security. If the Company intends to sell a debt security or if it is more likely than not that the Company will be required to sell the debt security before recovery, a credit impairment write-down is recognized in the allowance for credit losses equal to the difference between the debt security’s amortized cost basis and its fair value. If an entity does not intend to sell the debt security or it is not more likely than not that it will be required to sell the debt security before recovery, the credit impairment write-down is separated into an amount representing credit loss, which is recognized in the allowance for credit losses, and an amount related to all other factors, which is recognized in other comprehensive income. Equity securities with readily determinable fair values are measured at fair value with changes recognized in net income. Equity securities without readily determinable fair values are measured at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer. Such investments are included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition. Interest and dividends, including amortization of premiums and accretion of discounts, are recognized as interest income when earned. Realized gains and losses on sales (using the specific identification method), unrealized gains and losses on equity securities and declines in value judged to be other-than-temporary are included in non-interest income.
FHLB and FRB Stock	FHLB and FRB Stock Investments in FHLB and FRB stock are restricted as to redemption and are carried at cost.
Securities Purchased Under Resale Agreements and Securities Sold Under Repurchase Agreements	Securities Purchased Under Resale Agreements and Securities Sold Under Repurchase Agreements Securities purchased under resale agreements and securities sold under repurchase agreements are generally treated as collateralized financing transactions and are recorded at the amount at which the securities were acquired or sold plus accrued interest. Securities, consisting of U.S. Treasury, U.S. Government agency and mortgage-backed securities, pledged as collateral under these financing arrangements cannot be sold by the secured party. The fair value of collateral either received from or provided to a third party is monitored and additional collateral is obtained or requested to be returned as deemed appropriate.
Brokerage Customer Receivables	Brokerage Customer Receivables The Company, under an agreement with an out-sourced securities clearing firm, extends credit to its brokerage customers to finance their purchases of securities on margin. The Company receives income from interest charged on such extensions of credit. Brokerage customer receivables represent amounts due on margin balances. Securities owned by customers are held as collateral for these receivables.
Mortgage Loans Held-for-Sale	Mortgage Loans Held-for-Sale Mortgage loans are classified as held-for-sale when originated or acquired with the intent to sell the loan into the secondary market. ASC 825, “Financial Instruments” provides entities with an option to report selected financial assets and liabilities at fair value. Mortgage loans classified as held-for-sale are measured at fair value which is typically determined by reference to investor prices for loan products with similar characteristics. Changes in fair value are recognized in mortgage banking revenue. Market conditions or other developments may change management’s intent with respect to the disposition of these loans and loans previously classified as mortgage loans held-for-sale may be reclassified to the loans held-for-investment portfolio, with the balance transferred continuing to be carried at fair value.
Loans and Leases and Allowance for Credit Losses	Loans and Leases Loans are generally reported at the principal amount outstanding, net of unearned income. Interest income is recognized when earned. Loan origination fees and certain direct origination costs are deferred and amortized over the expected life of the loan as an adjustment to the yield using methods that approximate the effective interest method. Finance charges on premium finance receivables are earned over the term of the loan, using a method which approximates the effective yield method. Leases classified as direct financing leases are included within lease loans for financial statement purposes. Direct financing leases are stated as the sum of remaining minimum lease payments from lessees plus estimated residual values less unearned lease income. Unearned lease income on direct financing leases is recognized over the term of the leases using the effective interest method. Interest income is not accrued on loans where management has determined that the borrowers may be unable to meet contractual principal or interest obligations, or where interest or principal is 90 days or more past due, unless the loans are adequately secured and in the process of collection. Cash receipts on non-accrual loans are generally applied to the principal balance until the remaining balance is considered collectible, at which time interest income may be recognized when received. Allowance for Credit Losses In accordance with ASC 326, “Financial Instruments – Credit Losses” (“ASC 326”), the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. Financial assets include assets measured under the amortized cost basis, including loans, net investments in leases recognized by a lessor, held-to-maturity debt securities and purchased credit deteriorated (“PCD”) assets at the time of and subsequent to acquisition, and off-balance-sheet credit exposures considered not unconditionally cancellable. In addition to financial assets measured at amortized cost, credit losses related to available-for-sale debt securities are recorded through the allowance for credit losses and not as a direct adjustment to the amortized cost of the securities. The Company elects the collateral maintenance practical expedient under ASC 326 and applies this approach to securities purchased under resale agreements and brokerage customer receivables. In accordance with contractual terms, these assets require underlying collateral to be monitored continuously and replenished when collateral is less than required levels. The Company measures an allowance for credit losses if the carrying balance of such assets exceeds the amount of underlying collateral. The allowance for credit losses on financial assets held at amortized cost is measured on a collective or pooled basis when similar risk characteristics exist. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool, including methodologies estimating the probability of default and loss given default on specific segments. Credit quality indicators, specifically the Company's internal risk rating systems, reflect how the Company monitors credit losses and represent factors used by the Company when measuring the allowance for credit losses. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company and incorporates third party economic forecasts on a quantitative or qualitative basis. Reasonable and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates. Qualitative factors assessed by Management include the following: • Changes in the nature and volume of the institution’s financial assets; • Changes in the existence, growth, and effect of any concentrations of credit; • Changes in the volume and severity of past due financial assets, the volume of non-accrual assets, and the volume and severity of adversely classified or graded assets; • Changes in the value of the underlying collateral for loans that are not collateral-dependent; • Changes in the institution’s lending policies and procedures, including changes in underwriting standards and practices for collections, write-offs, and recoveries; • Changes in the quality of the institution’s credit review function; • Changes in the experience, ability, and depth of the institution’s lending, investment, collection, and other relevant management and staff; • The effect of changes in other external factors such as the regulatory, legal and technological environments; competition; and events such as natural disasters; and • Actual and expected changes in international, national, regional, and local economic and business conditions and developments in which the institution operates that affect the collectability of financial assets. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are considered when either (1) the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancellable, or (2) the expected extension, renewal or modification is reasonably expected to result in a troubled debt restructuring (“TDR”). Financial assets that do not share similar risk characteristics with any pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including substandard non-accrual assets and assets currently classified or expected to be classified as TDRs. If an individual asset is removed from a pool, the allowance for credit losses for such pool will be measured without considering the removed asset. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. For certain accruing current and expected TDRs, expected credit losses are measured based upon the present value of future cash flows of the modified asset terms compared to the amortized cost of the asset. For purchased financial assets that have experienced more-than-insignificant deterioration in credit quality since origination (“PCD assets”), the Company recognizes the sum of the purchase price and estimate of the allowance for credit losses as of the date of acquisition as the initial amortized cost basis. If the estimated allowance for credit losses is recognized under a methodology that is not a discounted cash flow methodology, such allowance for credit losses will be estimated based upon the unpaid principal balance of the financial asset. The Company does not measure an allowance for credit losses on accrued interest receivable balances if these balances are written off in a timely manner. Write-offs of accrued interest receivable balances are recorded as a reduction to interest income.
Mortgage Servicing Rights ("MSRs")	Mortgage Servicing Rights ("MSRs") MSRs are recorded in the Consolidated Statements of Condition at fair value in accordance with ASC 860, “Transfers and Servicing.” The Company originates mortgage loans for sale to the secondary market. Certain loans are originated and sold with servicing rights retained. MSRs associated with loans originated and sold, where servicing is retained, are capitalized at the time of sale at fair value based on the future net cash flows expected to be realized for performing the servicing activities, and included in other assets in the Consolidated Statements of Condition. The change in the fair value of MSRs is recorded as a component of mortgage banking revenue in non-interest income in the Consolidated Statements of Income. The Company measures the fair value of MSRs by stratifying the servicing rights into pools based on homogeneous characteristics, such as product type and interest rate. The fair value of each servicing rights pool is calculated based on the present value of estimated future cash flows using a discount rate commensurate with the risk associated with that pool, given current market conditions. Estimates of fair value include assumptions about prepayment speeds, interest rates and other factors which are subject to change over time. Changes in these underlying assumptions could cause the fair value of MSRs to change significantly in the future.
Lease Investments	Lease Investments The Company’s investments in equipment and other assets held on operating leases are reported as lease investments, net. Rental income on operating leases is recognized as income over the lease term on a straight-line basis. Equipment and other assets held on operating leases is stated at cost less accumulated depreciation. Depreciation of the cost of the assets held on operating leases, less any residual value, is computed using the straight-line method over the term of the leases, which is generally seven years or less.
Premises and Equipment	Premises and Equipment Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation and amortization. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the related assets. Useful lives generally range from two two seven Long-lived depreciable assets are evaluated periodically for impairment when events or changes in circumstances indicate the carrying amount may not be recoverable. Impairment exists when the expected undiscounted future cash flows of a long-lived asset are less than its carrying value. In that event, a loss is recognized for the difference between the carrying value and the estimated fair value of the asset based on a quoted market price, if applicable, or a discounted cash flow analysis. Impairment losses are recognized in other non-interest expense.
Other Real Estate Owned	Other Real Estate OwnedOther real estate owned is comprised of real estate acquired in partial or full satisfaction of loans and is included in other assets in the Consolidated Statements of Condition. Other real estate owned is recorded at its estimated fair value less estimated selling costs at the date of transfer. Any excess of the related loan balance over the fair value less expected selling costs is charged to the allowance for credit losses. In contrast, any excess of the fair value less expected selling costs over the related loan balance is recorded as a recovery of prior charge-offs on the loan and, if any portion of the excess exceeds prior charge-offs, as an increase to earnings. Subsequent changes in value are reported as adjustments to the carrying amount, limited to the initial fair value recorded at the date of transfer, and are recorded in other non-interest expense. Gains and losses upon sale, if any, are also charged to other non-interest expense.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible AssetsGoodwill represents the excess of the cost of a business acquisition over the fair value of net assets acquired. Other intangible assets represent purchased assets that also lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset or liability. In accordance with accounting standards, goodwill is not amortized, but rather is tested for impairment on an annual basis or more frequently when events warrant, using a qualitative or quantitative approach. Intangible assets which have finite lives are amortized over their estimated useful lives and also are subject to impairment testing. Intangible assets which have indefinite lives are evaluated each reporting date to determine whether events and circumstances continue to support an indefinite useful life. If an indefinite useful life can no longer be supported for such asset, the intangible asset will be amortized prospectively over the remaining estimated useful life. If an indefinite useful life can be supported, the asset is not amortized, but rather is tested for impairment on an annual basis or more frequently when events warrant, using a qualitative or quantitative approach. The Company’s intangible assets having finite lives are amortized over varying periods not exceeding twenty years.
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance ("BOLI")The Company maintains BOLI on certain executives. BOLI balances are recorded at their cash surrender values and are included in other assets in the Consolidated Statements of Condition. Changes in the cash surrender values are included in non-interest income.
Derivative Instruments	Derivative Instruments The Company enters into derivative transactions principally to protect against the risk of adverse price or interest rate movements on the future cash flows or the value of certain assets and liabilities. The Company is also required to recognize certain contracts and commitments, including certain commitments to fund mortgage loans held-for-sale, as derivatives when the characteristics of those contracts and commitments meet the definition of a derivative. The Company accounts for derivatives in accordance with ASC 815, “Derivatives and Hedging,” which requires that all derivative instruments be recorded in the Consolidated Statements of Condition at fair value. The accounting for changes in the fair value of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship and further, on the type of hedging relationship. Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset or liability attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Formal documentation of the relationship between a derivative instrument and a hedged asset or liability, as well as the risk-management objective and strategy for undertaking each hedge transaction and an assessment of effectiveness, is required at inception to apply hedge accounting. In addition, formal documentation of ongoing effectiveness testing is required to maintain hedge accounting. Fair value hedges are accounted for by recording the changes in the fair value of the derivative instrument and the changes in the fair value related to the risk being hedged of the hedged asset or liability on the statement of condition with corresponding offsets recorded in the income statement. The adjustment to the hedged asset or liability is included in the basis of the hedged item, while the fair value of the derivative is recorded as a freestanding asset or liability. Actual cash receipts or payments and related amounts accrued during the period on derivatives included in a fair value hedge relationship are recorded as adjustments to the interest income or expense recorded on the hedged asset or liability. Cash flow hedges are accounted for by recording the changes in the fair value of the derivative instrument on the statement of condition as either a freestanding asset or liability, with a corresponding offset recorded in other comprehensive income within shareholders’ equity, net of deferred taxes. Amounts are reclassified from accumulated other comprehensive income to interest expense in the period or periods the hedged forecasted transaction affects earnings. Under both the fair value and cash flow hedge scenarios, changes in the fair value of derivatives not considered to be highly effective in hedging the change in fair value or the expected cash flows of the hedged item are recognized in earnings as non-interest income during the period of the change. Derivative instruments that are not designated as hedges according to accounting guidance are reported on the statement of condition at fair value and the changes in fair value are recognized in earnings as non-interest income during the period of the change. Commitments to fund mortgage loans (i.e. interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives and are not designated in hedging relationships. Fair values of these mortgage derivatives are estimated primarily based on changes in mortgage rates from the date of the commitments. Changes in the fair values of these derivatives are included in mortgage banking revenue. Forward currency and commodity contracts used to manage foreign exchange risk and commodity price risk, respectively, associated with certain assets are accounted for as derivatives and are not designated in hedging relationships. Such derivatives are recorded at fair value based on prevailing currency and commodity exchange rates at the measurement date. Changes in the fair values of these derivatives are recognized in earnings as non-interest income during the period of change. Periodically, the Company sells options to an unrelated bank or dealer for the right to purchase certain securities held within its investment portfolios (“covered call options”). These option transactions are designed primarily as an economic hedge to compensate for net interest margin compression by increasing the total return associated with holding the related securities as earning assets by using fee income generated from these options. These transactions are not designated in hedging relationships pursuant to accounting guidance and, accordingly, changes in fair values of these contracts, are reported in other non-interest income.
Trust Assets, Assets Under Management and Brokerage Assets	Trust Assets, Assets Under Management and Brokerage Assets Assets held in fiduciary or agency capacity for customers are not included in the consolidated financial statements as they are not assets of Wintrust or its subsidiaries. Fee income is recognized on an accrual basis and is included as a component of non-interest income.
Income Taxes	Income Taxes Wintrust and its subsidiaries file a consolidated Federal income tax return. Income tax expense is based upon income in the consolidated financial statements rather than amounts reported on the income tax return. Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using currently enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized as an income tax benefit or income tax expense in the period that includes the enactment date. Positions taken in the Company’s tax returns may be subject to challenge by the taxing authorities upon examination. In accordance with applicable accounting guidance, uncertain tax positions are initially recognized in the financial statements when it is more likely than not the positions will be sustained upon examination by the tax authorities. Such tax positions are both initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement with the tax authority, assuming full knowledge of the position and all relevant facts. Interest and penalties on income tax uncertainties are classified within income tax expense in the income statement.
Stock-Based Compensation Plans	Stock-Based Compensation Plans In accordance with ASC 718, “Compensation — Stock Compensation,” compensation cost is measured as the fair value of the awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options and a Monte-Carlo simulation model is used to estimate the fair value of performance awards with a market condition metric. The market price of the Company’s stock at the date of grant is used to estimate the fair value of time-vested restricted stock awards and performance awards with a performance metric. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. Accounting guidance permits for the recognition of stock based compensation for the number of awards that are ultimately expected to vest. As a result, recognized compensation expense for stock options and restricted share awards is reduced for estimated forfeitures prior to vesting. Forfeitures rates are estimated for each type of award based on historical forfeiture
Comprehensive Income	Comprehensive Income Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on available-for-sale debt securities, net of deferred taxes, changes in deferred gains and losses on investment securities transferred from available-for-sale debt securities to held-to-maturity debt securities, net of deferred taxes, adjustments related to cash flow hedges, net of deferred taxes, and foreign currency translation adjustments, net of deferred taxes. The Company has a policy for releasing the income tax effects from accumulated other comprehensive income using an individual security approach.
Stock Repurchases	Stock Repurchases The Company periodically repurchases shares of its outstanding common stock through open market purchases or other methods. Repurchased shares are recorded as treasury shares on the trade date using the treasury stock method, and the cash paid is recorded as treasury stock.
Foreign Currency Translation	Foreign Currency Translation The Company revalues assets, liabilities, revenue and expense denominated in non-U.S. currencies into U.S. dollars at the end of each month using applicable exchange rates. Gains and losses relating to translating functional currency financial statements for U.S. reporting are included in other comprehensive income. Gains and losses relating to the re-measurement of transactions to the functional currency are reported in the Consolidated Statements of Income.
Accounting Pronouncements Newly Adopted and Recent Accounting Pronouncements	Accounting Pronouncements Newly Adopted Debt In August 2020, the FASB issued ASU No. 2020-06, “Debt-Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging-Contracts in Entity’s Own Equity (Subtopic 815-40): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity,” which includes provisions for reducing the number of accounting models used in accounting for convertible debt instruments and convertible preferred stock, amending derivatives and earnings-per-share (EPS) guidance and expanding disclosures for convertible debt instruments and EPS. The Company adopted ASU No. 2020-06 as of January 1, 2022. Adoption of this standard did not have a material impact on the Company’s consolidated financial statements. Issuer’s Accounting for Modifications or Exchanges of Freestanding Equity-Classified Written Call Options In May 2021, the FASB issued ASU No. 2021-04, “Earnings Per Share (Topic 260), Debt—Modifications and Extinguishments (Subtopic 470-50), Compensation—Stock Compensation (Topic 718), and Derivatives and Hedging—Contracts in Entity’s Own Equity (Subtopic 815-40): Issuer’s Accounting for Certain Modifications or Exchanges of Freestanding Equity-Classified Written Call Options,” which requires an issuer to account for any modification or exchange of the terms or conditions of a freestanding written call option classified as equity, such as warrants, that remains classified as equity as an exchange of the original instrument for a new instrument and provides a framework for measuring and recognizing the effect of the exchange as an adjustment to either equity or expense. The Company adopted ASU No. 2021-04 as of January 1, 2022 under a prospective approach. Adoption of this standard did not have a material impact on the Company’s consolidated financial statements. Leases - Certain Leases with Variable Lease Payments In July 2021, the FASB issued ASU No. 2021-05, “Leases (Topic 842), Lessors – Certain Leases with Variable Lease Payments” which amends lessor lease classification requirements to allow leases with variable lease payments that are not dependent on a reference index or rate to be classified and accounted for as an operating lease, provided the lease would have been classified as a sales-type or direct financing lease and the lessor would have otherwise recognized a day-one loss. The Company adopted ASU No. 2021-05 as of January 1, 2022. As the Company has adopted ASC Topic 842, this guidance was applied retrospectively to leases that commenced or were modified after the adoption of ASC Topic 842 and prospectively to leases that commence or are modified after January 1, 2022. Adoption of this standard did not have a material impact on the Company’s consolidated financial statements. Disclosure of Government Assistance Received In November 2021, the FASB issued ASU No. 2021-10, “Government Assistance (Topic 832), Disclosures by Business Entities about Government Assistance,” which improves transparency in financial reporting by requiring business entities to disclose information about certain types of government assistance received, specifically transactions with a government, which are accounted for by analogizing to a grant or contribution model. The Company adopted ASU No. 2021-10 as of January 1, 2022. Adoption of this standard did not have a material impact on the Company’s consolidated financial statements. Reference Rate Reform In March 2020, the FASB issued ASU No. 2020-04, “Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting,” which provides temporary optional relief for contracts modified as a result of reference rate reform meeting certain modification criteria, generally allowing an entity to account for contract modifications occurring due to reference rate reform as an event that does not require contract remeasurement or reassessment of a previous accounting determination at the modification date. The guidance also includes temporary optional expedients intended to provide relief from various hedge effectiveness requirements for hedging relationships affected by reference rate reform, provided certain criteria are met, and allows a one-time election to sell or transfer to either available-for-sale or trading any held-to-maturity (“HTM”) debt securities that refer to an interest rate affected by reference rate reform and were classified as HTM prior to January 1, 2020. Additionally, in January 2021, the FASB issued ASU No. 2021-01, “Reference Rate Reform (Topic 848): Scope,” which provided additional clarification that certain optional expedients and exceptions noted above apply to derivative instruments that use an interest rate for margining, discounting or contract price alignment that is modified as a result of reference rate reform. This guidance was effective upon issuance and was able to be applied prospectively, with certain exceptions, through December 31, 2022. In November 2020, federal and state banking regulators issued the “Interagency Policy Statement on Reference Rates for Loans" to reiterate that a specific replacement rate for loans impacted by reference rate reform has not been endorsed and entities may utilize any replacement reference rate determined to be appropriate based on its funding model and customer needs. As discussed in the “Interagency Policy Statement on Reference Rates for Loans,” fallback language should be included in lending contracts to provide for use of a robust fallback rate if the initial reference rate is discontinued. Additionally, federal banking regulators issued the “Interagency Statement on LIBOR Transition” acknowledging that the administrator of LIBOR has announced it will consult on its intention to cease the publication of the one week and two month USD LIBOR settings immediately following the LIBOR publication on December 31, 2021, and the remaining USD LIBOR settings immediately following the LIBOR publication on June 30, 2023. As discussed in the “Interagency Statement on LIBOR Transition,” regulators encouraged banks to cease entering into new contracts that use USD LIBOR as a reference rate as soon as practicable and in any event by December 31, 2021, in order to facilitate an orderly, safe and sound LIBOR transition. The Company has discontinued use of USD LIBOR in new contracts and continues to monitor efforts and evaluate the impact of reference rate reform on its consolidated financial statements. In December 2022, the FASB issued ASU No. 2022-06 “Reference Rate Reform (Topic 848) - Deferral of the Sunset Date of Topic 848,” which updated the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities would no longer be permitted to apply the relief in Topic 848. The objective of Topic 848 is to provide relief during the temporary transition period, thus, the FASB included a sunset provision within Topic 848 based on expectations of when LIBOR would cease being published. This guidance was effective upon issuance and can be applied prospectively, with certain exceptions, through December 31, 2024. Business Combinations In October 2021, the FASB issued ASU No. 2021-08, “Business Combinations (Topic 805), Accounting for Contract Assets and Contract Liabilities from Customers with Contracts,” which clarifies diversity in practice related to recognition and measurement of contract assets and liabilities related to revenue contracts with customers which are acquired in a business combination by aligning business combination accounting with the subsequent accounting for contract assets and liabilities by requiring entities to apply ASC Topic 606, Revenue from Contracts with Customers, in order to recognize and measure deferred revenue in a business combination. The guidance also creates an exception to the general recognition and measurement principle in ASC Topic 805, Business Combinations, under which such amounts are recognized by the acquirer at fair value on the acquisition date by providing two practical expedients for acquirers. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein, and is to be applied either prospectively or retrospectively depending on the date of initial application. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Fair Value Hedging - Portfolio Layer Method In March 2022, the FASB issued ASU No. 2022-01, “Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method” which expands the current last-of-layer method by allowing multiple hedged layers to be designated for a single closed portfolio of financial assets or one or more beneficial interests secured by a portfolio of financial instruments. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein, and is to be applied under a prospective approach. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Troubled Debt Restructurings and Vintage Disclosures In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” which eliminates the separate recognition and measurement guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors when a borrower is experiencing financial difficulty, and requiring entities to disclose current-period gross write-offs by year of origination for certain financing receivables and net investments in leases. This guidance is effective for fiscal years beginning after December 15, 2022, including interim periods therein. The amendments related to disclosures for loan modifications and the vintage disclosures should be applied under a prospective approach, while the guidance on TDRs should be applied using either a prospective or modified retrospective approach. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Fair Value Measurement - Equity Securities with Contractual Sale Restrictions In June 2022, the FASB issued ASU No. 2022-03, “Fair Value Measurement (Topic 820), Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions” which clarifies the guidance in ASC 820 when measuring the fair value of an equity security subject to contractual restrictions that prohibit the sale of an equity security, and also requires specific disclosures related to these types of securities. This guidance is effective for fiscal years beginning after December 15, 2023, including interim periods therein, and is to be applied under a prospective approach. Early adoption is permitted. The Company does not expect this guidance to have a material impact on the Company’s consolidated financial statements. Legislation Issued Related to Stock Repurchases On August 16, 2022, the Inflation Reduction Act of 2022 (the “IRA”) was signed by the President of the United States. Among other things, the IRA imposes a new 1% excise tax on the fair market value of stock repurchased after December 31, 2022. With certain exceptions, the value of stock repurchased is determined net of stock issued in the year, including shares issued pursuant to compensatory arrangements. These provisions are not expected to have a material impact on the Company's consolidated financial statements.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities	A summary of the available-for-sale and held-to-maturity investment securities portfolios presenting carrying amounts and gross unrealized gains and losses as of December 31, 2022 and 2021 is as follows: December 31, 2022 December 31, 2021 (In thousands) Amortized Gross Gross Fair Value Amortized Gross Gross Fair Value Available-for-sale securities U.S. Treasury $ 14,943 $ 5 $ — $ 14,948 $ — $ — $ — $ — U.S. government agencies 80,000 36 (5,814) 74,222 50,158 2,349 — 52,507 Municipal 173,861 230 (5,436) 168,655 161,618 4,193 (217) 165,594 Corporate notes: Financial issuers 93,994 — (9,291) 84,703 96,878 418 (2,599) 94,697 Other 1,000 2 — 1,002 1,000 7 — 1,007 Mortgage-backed: (1) Mortgage-backed securities 3,308,494 238 (488,795) 2,819,937 1,901,005 32,830 (25,854) 1,907,981 Collateralized mortgage obligations 97,342 — (17,792) 79,550 105,710 297 — 106,007 Total available-for-sale securities $ 3,769,634 $ 511 $ (527,128) $ 3,243,017 $ 2,316,369 $ 40,094 $ (28,670) $ 2,327,793 Held-to-maturity securities U.S. government agencies $ 339,614 $ — $ (75,293) $ 264,321 $ 180,192 $ 201 $ (3,314) $ 177,079 Municipal 179,027 477 (4,066) 175,438 187,486 9,544 (223) 196,807 Mortgage-backed: (1) Mortgage-backed securities 2,900,031 — (583,682) 2,316,349 2,530,730 864 (47,622) 2,483,972 Collateralized mortgage obligations 164,151 — (23,322) 140,829 — — — — Corporate notes 58,232 — (5,348) 52,884 43,955 — (1,119) 42,836 Total held-to-maturity securities $ 3,641,055 $ 477 $ (691,711) $ 2,949,821 $ 2,942,363 $ 10,609 $ (52,278) $ 2,900,694 Less: Allowance for credit losses (488) (78) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567 $ 2,942,285 Equity securities with readily determinable fair value $ 115,552 $ 2,935 $ (8,122) $ 110,365 $ 86,989 $ 5,354 $ (1,832) $ 90,511 (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime.
Schedule of Investment Securities Portfolio Continuous Unrealized Loss Position, Available for Sale Debt Securities	The following tables present the portion of the Company’s available-for-sale investment securities portfolios which had gross unrealized losses, reflecting the length of time that individual securities have been in a continuous unrealized loss position at December 31, 2022 and 2021, respectively: As of December 31, 2022 Continuous unrealized Continuous unrealized Total (In thousands) Fair value Unrealized Fair value Unrealized Fair value Unrealized Available-for-sale securities U.S. Treasury $ — $ — $ — $ — $ — $ — U.S. government agencies 36,750 (3,250) 7,436 (2,564) 44,186 (5,814) Municipal 88,433 (1,997) 41,642 (3,439) 130,075 (5,436) Corporate notes: Financial issuers 14,420 (580) 70,283 (8,711) 84,703 (9,291) Other — — — — — — Mortgage-backed: (1) Mortgage-backed securities 1,185,885 (99,494) 1,578,200 (389,301) 2,764,085 (488,795) Collateralized mortgage obligations 2,690 (190) 76,860 (17,602) 79,550 (17,792) Total available-for-sale securities $ 1,328,178 $ (105,511) $ 1,774,421 $ (421,617) $ 3,102,599 $ (527,128) (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime. As of December 31, 2021 Continuous unrealized Continuous unrealized Total (In thousands) Fair value Unrealized Fair value Unrealized Fair value Unrealized Available-for-sale securities U.S. Treasury $ — $ — $ — $ — $ — $ — U.S. government agencies — — — — — — Municipal 47,726 (200) 850 (17) 48,576 (217) Corporate notes: Financial issuers 23,855 (1,145) 45,539 (1,454) 69,394 (2,599) Other — — — — — — Mortgage-backed: (1) Mortgage-backed securities 742,743 (16,571) 221,350 (9,283) 964,093 (25,854) Collateralized mortgage obligations — — — — — — Total available-for-sale securities $ 814,324 $ (17,916) $ 267,739 $ (10,754) $ 1,082,063 $ (28,670) (1) Consisting entirely of residential mortgage-backed securities, none of which are subprime.
Schedule of Gross Gains and Gross Losses Realized and Proceeds For Investment Securities	Years Ended December 31, (In thousands) 2022 2021 2020 Realized gains on investment securities $ 461 $ 1,252 $ 751 Realized losses on investment securities (22) (173) (530) Net realized gains on investment securities 439 1,079 221 Unrealized gains on equity securities with readily determinable fair value 1,154 2,688 4,265 Unrealized losses on equity securities with readily determinable fair value (9,862) (2,411) (3,818) Net unrealized (losses) gains on equity securities with readily determinable fair value (8,708) 277 447 Upward adjustments of equity securities without readily determinable fair values — — 401 Downward adjustments of equity securities without readily determinable fair values — — — Impairment of equity securities without readily determinable fair values (12,158) (2,415) (2,995) Adjustment and impairment, net, of equity securities without readily determinable fair values (12,158) (2,415) (2,594) Losses on investment securities, net $ (20,427) $ (1,059) $ (1,926) Proceeds from sales of available-for-sale securities (1) $ — $ 192,227 $ 502,250 Proceeds from sales of equity securities with readily determinable fair value 31,753 9,759 6,530 Proceeds from sales and capital distributions of equity securities without readily determinable fair value 1,330 2,685 1,857 (1) Includes proceeds from available-for-sale securities sold in accordance with written covered call options sold to a third party.
Schedule of Contractual Maturities of Investment Securities	The amortized cost and fair value of investment securities as of December 31, 2022 and December 31, 2021, by contractual maturity, are shown in the following table. Contractual maturities may differ from actual maturities as borrowers may have the right to call or repay obligations with or without call or prepayment penalties. Mortgage-backed securities are not included in the maturity categories in the following maturity summary as actual maturities may differ from contractual maturities because the underlying mortgages may be called or prepaid without penalties: December 31, 2022 December 31, 2021 (In thousands) Amortized Fair Value Amortized Fair Value Available-for-sale securities Due in one year or less $ 119,830 $ 119,275 $ 49,714 $ 49,822 Due in one to five years 63,644 61,701 72,382 73,850 Due in five to ten years 115,734 105,076 118,358 117,573 Due after ten years 64,590 57,478 69,200 72,560 Mortgage-backed 3,405,836 2,899,487 2,006,715 2,013,988 Total available-for-sale securities $ 3,769,634 $ 3,243,017 $ 2,316,369 $ 2,327,793 Held-to-maturity securities Due in one year or less $ 1,340 $ 1,332 $ 2,976 $ 2,992 Due in one to five years 94,705 89,093 79,422 79,705 Due in five to ten years 115,318 113,758 106,713 112,667 Due after ten years 365,510 288,460 222,522 221,358 Mortgage-backed 3,064,182 2,457,178 2,530,730 2,483,972 Total held-to-maturity securities $ 3,641,055 $ 2,949,821 $ 2,942,363 $ 2,900,694 Less: Allowance for credit losses (488) (78) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567 $ 2,942,285

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]
Summary of Loan Portfolio	The following table shows the Company’s loan portfolio by category as of the dates shown: (Dollars in thousands) December 31, 2022 December 31, 2021 Balance: Commercial $ 12,549,164 $ 11,904,068 Commercial real estate 9,950,947 8,990,286 Home equity 332,698 335,155 Residential real estate 2,372,383 1,637,099 Premium finance receivables—property & casualty 5,849,459 4,855,487 Premium finance receivables—life insurance 8,090,998 7,042,810 Consumer and other 50,836 24,199 Total loans, net of unearned income $ 39,196,485 $ 34,789,104 Mix: Commercial 32 % 34 % Commercial real estate 25 26 Home equity 1 1 Residential real estate 6 5 Premium finance receivables—property & casualty 15 14 Premium finance receivables—life insurance 21 20 Consumer and other 0 0 Total loans, net of unearned income 100 % 100 %

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2022
Credit Loss [Abstract]
Schedule of Aging of the Company's Loan Portfolio	The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at December 31, 2022 and 2021. As of December 31, 2022 (In thousands) Nonaccrual 90+ days 60-89 30-59 Current Total Loans Loan Balances (includes PCD): Commercial $ 35,579 $ 462 $ 21,128 $ 56,696 $ 12,435,299 $ 12,549,164 Commercial real estate: Construction and development 416 — 361 14,390 1,471,763 1,486,930 Non-construction 5,971 — 1,883 16,285 8,439,878 8,464,017 Home equity 1,487 — — 2,152 329,059 332,698 Residential real estate loans, excluding early buy-out loans 10,171 — 4,364 9,982 2,183,078 2,207,595 Premium finance receivables Property & casualty insurance loans 13,470 15,841 14,926 40,557 5,764,665 5,849,459 Life insurance loans — 17,245 5,260 68,725 7,999,768 8,090,998 Consumer and other 6 49 18 224 50,539 50,836 Total loans, net of unearned income, excluding early buy-out loans $ 67,100 $ 33,597 $ 47,940 $ 209,011 $ 38,674,049 $ 39,031,697 Early buy-out loans guaranteed by U.S. government agencies (1) 31,279 47,450 984 1,584 83,491 164,788 Total loans, net of unearned income $ 98,379 $ 81,047 $ 48,924 $ 210,595 $ 38,757,540 $ 39,196,485 As of December 31, 2021 (In thousands) Nonaccrual 90+ days 60-89 30-59 Current Total Loans Loan Balances (includes PCD): Commercial $ 20,399 $ 15 $ 24,262 $ 43,861 $ 11,815,531 $ 11,904,068 Commercial real estate Construction and development 1,377 — — 2,809 1,352,018 1,356,204 Non-construction 20,369 — 284 37,634 7,575,795 7,634,082 Home equity 2,574 — — 1,120 331,461 335,155 Residential real estate loans, excluding early buy-out loans 16,440 — 982 12,145 1,576,704 1,606,271 Premium finance receivables Property & casualty insurance loans 5,433 7,210 15,490 22,419 4,804,935 4,855,487 Life insurance loans — 7 12,614 66,651 6,963,538 7,042,810 Consumer and other 477 137 34 509 23,042 24,199 Total loans, net of unearned income, excluding early buy-out loans $ 67,069 $ 7,369 $ 53,666 $ 187,148 $ 34,443,024 $ 34,758,276 Early buy-out loans guaranteed by U.S. government agencies (1) — — — 275 30,553 30,828 Total loans, net of unearned income $ 67,069 $ 7,369 $ 53,666 $ 187,423 $ 34,473,577 $ 34,789,104
Summary of Loan Portfolio by Credit Quality Indicator	The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at December 31, 2022: As of December 31, 2022 Year of Origination Revolving Total (In thousands) 2022 2021 2020 2019 2018 Prior Revolving to Term Loans Loan Balances: Commercial, industrial and other Pass $ 2,740,821 $ 2,314,421 $ 1,064,680 $ 631,670 $ 460,898 $ 847,955 $ 3,999,401 $ 42,699 $ 12,102,545 Special mention 6,780 71,263 10,279 27,533 36,874 17,972 85,813 1,232 257,746 Substandard accrual 13,560 42,091 26,252 17,104 5,078 2,902 46,297 10 153,294 Substandard nonaccrual/doubtful 574 5,958 2,278 25,481 197 1,091 — — 35,579 Total commercial, industrial and other $ 2,761,735 $ 2,433,733 $ 1,103,489 $ 701,788 $ 503,047 $ 869,920 $ 4,131,511 $ 43,941 $ 12,549,164 Construction and development Pass $ 413,322 $ 470,162 $ 261,173 $ 124,818 $ 36,591 $ 90,294 $ 12,000 $ — $ 1,408,360 Special mention — 517 14,341 23,312 16,778 82 — — 55,030 Substandard accrual 2,132 — 8,355 — 100 12,537 — — 23,124 Substandard nonaccrual/doubtful — — — — — 416 — — 416 Total construction and development $ 415,454 $ 470,679 $ 283,869 $ 148,130 $ 53,469 $ 103,329 $ 12,000 $ — $ 1,486,930 Non-construction Pass $ 1,908,428 $ 1,530,812 $ 1,045,330 $ 851,041 $ 589,268 $ 2,149,357 $ 181,096 $ 19,790 $ 8,275,122 Special mention 5,114 12,556 6,377 18,225 31,849 41,236 — — 115,357 Substandard accrual — — 832 8,507 23,330 34,898 — — 67,567 Substandard nonaccrual/doubtful — — — — 349 5,622 — — 5,971 Total non-construction $ 1,913,542 $ 1,543,368 $ 1,052,539 $ 877,773 $ 644,796 $ 2,231,113 $ 181,096 $ 19,790 $ 8,464,017 Home equity Pass $ 198 $ — $ — $ 56 $ — $ 5,445 $ 312,183 $ — $ 317,882 Special mention — 1 — — 255 991 2,598 148 3,993 Substandard accrual — — — — — 7,530 910 896 9,336 Substandard nonaccrual/doubtful — — 118 18 — 1,251 100 — 1,487 Total home equity $ 198 $ 1 $ 118 $ 74 $ 255 $ 15,217 $ 315,791 $ 1,044 $ 332,698 Residential real estate Early buy-out loans guaranteed by U.S. government agencies $ — $ 901 $ 9,424 $ 21,662 $ 19,700 $ 113,101 $ — $ — $ 164,788 Pass 787,652 835,672 228,945 120,596 49,710 150,024 — — 2,172,599 Special mention 3,523 1,720 2,100 1,602 1,897 5,247 — — 16,089 Substandard accrual 1,214 1,981 1,111 149 428 3,853 — — 8,736 Substandard nonaccrual/doubtful 112 416 767 2,176 1,269 5,431 — — 10,171 Total residential real estate $ 792,501 $ 840,690 $ 242,347 $ 146,185 $ 73,004 $ 277,656 $ — $ — $ 2,372,383 Premium finance receivables - property & casualty Pass $ 5,682,665 $ 55,275 $ 6,833 $ 1,707 $ — $ — $ — $ — $ 5,746,480 Special mention 84,728 462 25 — — — — — 85,215 Substandard accrual 3,965 329 — — — — — — 4,294 Substandard nonaccrual/doubtful 10,798 2,621 51 — — — — — 13,470 Total premium finance receivables - property & casualty $ 5,782,156 $ 58,687 $ 6,909 $ 1,707 $ — $ — $ — $ — $ 5,849,459 Premium finance receivables - life Pass $ 510,675 $ 779,057 $ 1,055,247 $ 931,276 $ 726,763 $ 4,080,764 $ — $ — $ 8,083,782 Special mention — 4,999 — — — 2,217 — — 7,216 Substandard accrual — — — — — — — — — Substandard nonaccrual/doubtful — — — — — — — — — Total premium finance receivables - life $ 510,675 $ 784,056 $ 1,055,247 $ 931,276 $ 726,763 $ 4,082,981 $ — $ — $ 8,090,998 Consumer and other Pass $ 2,921 $ 1,592 $ 252 $ 481 $ 388 $ 12,407 $ 32,566 $ — $ 50,607 Special mention 10 2 — 3 — 135 3 — 153 Substandard accrual 17 1 — — — 43 9 — 70 Substandard nonaccrual/doubtful — 6 — — — — — — 6 Total consumer and other $ 2,948 $ 1,601 $ 252 $ 484 $ 388 $ 12,585 $ 32,578 $ — $ 50,836 Total loans Early buy-out loans guaranteed by U.S. government agencies $ — $ 901 $ 9,424 $ 21,662 $ 19,700 $ 113,101 $ — $ — $ 164,788 Pass 12,046,682 5,986,991 3,662,460 2,661,645 1,863,618 7,336,246 4,537,246 62,489 38,157,377 Special mention 100,155 91,520 33,122 70,675 87,653 67,880 88,414 1,380 540,799 Substandard accrual 20,888 44,402 36,550 25,760 28,936 61,763 47,216 906 266,421 Substandard nonaccrual/doubtful 11,484 9,001 3,214 27,675 1,815 13,811 100 — 67,100 Total loans $ 12,179,209 $ 6,132,815 $ 3,744,770 $ 2,807,417 $ 2,001,722 $ 7,592,801 $ 4,672,976 $ 64,775 $ 39,196,485
Held-to-Maturity Debt Securities by Credit Quality Indicator	For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management. As of December 31, 2022 Year of Origination Total (In thousands) 2022 2021 2020 2019 2018 Prior Balance Amortized Cost Balances: U.S. government agencies 1-4 internal grade $ 160,000 $ 147,802 $ 25,000 $ 4,000 $ — $ 2,812 $ 339,614 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total U.S. government agencies $ 160,000 $ 147,802 $ 25,000 $ 4,000 $ — $ 2,812 $ 339,614 Municipal 1-4 internal grade $ 1,045 $ 7,001 $ 269 $ 159 $ 7,401 $ 163,153 $ 179,027 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total municipal $ 1,045 $ 7,001 $ 269 $ 159 $ 7,401 $ 163,153 $ 179,027 Mortgage-backed securities 1-4 internal grade $ 616,478 $ 2,447,704 $ — $ — $ — $ — $ 3,064,182 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total mortgage-backed securities $ 616,478 $ 2,447,704 $ — $ — $ — $ — $ 3,064,182 Corporate notes 1-4 internal grade $ 14,963 $ — $ 6,010 $ 7,312 $ 3,182 $ 26,765 $ 58,232 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total corporate notes $ 14,963 $ — $ 6,010 $ 7,312 $ 3,182 $ 26,765 $ 58,232 Total held-to-maturity securities $ 3,641,055 Less: Allowance for credit losses (488) Held-to-maturity securities, net of allowance for credit losses $ 3,640,567
Allowance For Credit Losses	As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company’s executive management. December 31, December 31, (In thousands) 2022 2021 Allowance for loan losses $ 270,173 $ 247,835 Allowance for unfunded lending-related commitments losses 87,275 51,818 Allowance for loan losses and unfunded lending-related commitments losses 357,448 299,653 Allowance for held-to-maturity securities losses 488 78 Allowance for credit losses $ 357,936 $ 299,731
Summary of Activity in the Allowance for Credit Losses by Loan Portfolio	A summary of the activity in the allowance for credit losses by loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses) for the years ended December 31, 2022 and 2021 is as follows: Year Ended December 31, 2022 (In thousands) Commercial Commercial Home Residential Premium Consumer Total Allowance for credit losses at beginning of period $ 119,307 $ 144,583 $ 10,699 $ 8,782 $ 15,859 $ 423 299,653 Other adjustments — — — — (108) — (108) Charge-offs (14,141) (1,379) (432) (471) (14,275) (1,081) (31,779) Recoveries 4,748 701 319 77 5,522 136 11,503 Provision for credit losses 32,855 40,447 (3,013) 3,197 3,673 1,020 78,179 Allowance for credit losses at period end $ 142,769 $ 184,352 $ 7,573 $ 11,585 $ 10,671 $ 498 $ 357,448 By measurement method: Individually evaluated for impairment $ 5,973 $ 61 $ 50 $ 715 $ — $ — $ 6,799 Collectively evaluated for impairment 136,796 184,291 7,523 10,870 10,671 498 350,649 Loans at period end: Individually evaluated for impairment $ 38,042 $ 21,435 $ 10,351 $ 20,300 $ — $ 69 $ 90,197 Collectively evaluated for impairment 12,511,122 9,929,512 322,347 2,172,151 13,940,457 50,767 38,926,356 Loans held at fair value — — — 179,932 — — 179,932 Year Ended December 31, 2021 (In thousands) Commercial Commercial Home Residential Premium Consumer Total Allowance for credit losses at beginning of period $ 94,212 $ 243,603 $ 11,437 $ 12,459 $ 17,777 $ 422 $ 379,910 Initial allowance for credit losses recognized on PCD assets acquired during the period (1) 470 — — — — — 470 Other adjustments — — — — 3 — 3 Charge-offs (20,801) (3,293) (336) (1,082) (9,020) (487) (35,019) Recoveries 2,559 1,304 1,203 330 7,989 184 13,569 Provision for credit losses 42,867 (97,031) (1,605) (2,925) (890) 304 (59,280) Allowance for credit losses at period end $ 119,307 $ 144,583 $ 10,699 $ 8,782 $ 15,859 $ 423 $ 299,653 By measurement method: Individually evaluated for impairment $ 5,196 $ 2,237 $ 192 $ 899 $ — $ 28 $ 8,552 Collectively evaluated for impairment 114,111 142,346 10,507 7,883 15,859 395 291,101 Loans at period end: Individually evaluated for impairment $ 24,530 $ 30,167 $ 14,656 $ 23,306 $ — $ 611 $ 93,270 Collectively evaluated for impairment 11,879,538 8,960,119 320,499 1,575,195 11,898,297 23,588 34,657,236 Loan held at fair value — — — 38,598 — — 38,598 (1) The initial allowance for credit losses on PCD loans acquired during 2021 measured approximately $2.8 million, of which $2.3 million was charged off related to PCD loans that met the Company’s charge-off policy at the time of acquisition. After considering these loans that were immediately charged off, the net impact of PCD allowance for credit losses at the acquisition date was approximately $470,000.
Summary of the Post-Modification Balance of Loans Restructured	The tables below present a summary of the post-modification balance of loans restructured during the years ended December 31, 2022, 2021, and 2020 which represent TDRs: Year ended December 31, 2022 Total (1)(2) Extension at Below Market Terms (2) Reduction of Interest Rate (2) Modification to Interest-only Payments (2) Forgiveness of Debt (2) (In thousands) Count Balance Count Balance Count Balance Count Balance Count Balance Commercial Commercial, industrial and other 5 $ 468 4 $ 305 1 $ 85 2 $ 248 — $ — Commercial real estate Non-construction 3 8,833 1 1,178 1 1,178 3 8,833 — — Residential real estate and other 32 4,076 31 4,075 20 3,002 — — — — Total loans 40 $ 13,377 36 $ 5,558 22 $ 4,265 5 $ 9,081 — $ — Year ended December 31, 2021 Total (1)(2) Extension at Below Market Terms (2) Reduction of Interest Rate (2) Modification to Interest-only Payments (2) Forgiveness of Debt (2) (In thousands) Count Balance Count Balance Count Balance Count Balance Count Balance Commercial Commercial, industrial and other 16 $ 5,074 7 $ 847 1 $ 300 — $ — — $ — Commercial real estate Non-construction 5 2,944 4 2,401 2 656 1 113 — — Residential real estate and other 43 5,851 40 5,683 17 4,123 9 4,227 — — Total loans 64 $ 13,869 51 $ 8,931 20 $ 5,079 10 $ 4,340 — $ — Year ended December 31, 2020 Total (1)(2) Extension at Below Market Terms (2) Reduction of Interest Rate (2) Modification to Interest-only Payments (2) Forgiveness of Debt (2) (In thousands) Count Balance Count Balance Count Balance Count Balance Count Balance Commercial Commercial, industrial and other 21 $ 12,362 17 $ 8,089 1 $ 991 6 $ 4,436 1 $ 432 Commercial real estate Non-construction 18 19,281 15 14,657 3 921 8 5,853 — — Residential real estate and other 85 14,229 70 13,721 38 5,809 1 190 — — Total loans 124 $ 45,872 102 $ 36,467 42 $ 7,721 15 $ 10,479 1 $ 432 (1) TDRs may have more than one modification representing a concession. As such, TDRs during the period may be represented in more than one of the categories noted above. (2) Balances represent the recorded investment in the loan at the time of the restructuring. The tables below present a summary of all loans restructured in TDRs during the years ended December 31, 2022, 2021, and 2020, and such loans which were in payment default under the restructured terms during the respective periods: Year Ended December 31, 2022 Year Ended December 31, 2021 Year Ended December 31, 2020 Total (1)(3) Payments in Default (2)(3) Total (1)(3) Payments in Default (2)(3) Total (1)(3) Payments in Default (2)(3) (In thousands) Count Balance Count Balance Count Balance Count Balance Count Balance Count Balance Commercial Commercial, industrial and other 5 $ 468 2 $ 185 16 $ 5,074 1 $ 199 21 $ 12,362 7 $ 4,041 Commercial real-estate Non-construction 3 8,833 — — 5 2,944 3 2,276 18 19,281 12 14,343 Residential real estate and other 32 4,076 3 524 43 5,851 2 116 85 14,229 8 834 Total loans 40 $ 13,377 5 $ 709 64 $ 13,869 6 $ 2,591 124 $ 45,872 27 $ 19,218 (1) Total TDRs represent all loans restructured in TDRs during the year indicated. (2) TDRs considered to be in payment default are over 30 days past-due subsequent to the restructuring. (3) Balances represent the recorded investment in the loan at the time of the restructuring.

Mortgage Servicing Rights ("M_2

Mortgage Servicing Rights ("MSRs") (Tables)	12 Months Ended
	Dec. 31, 2022
Disclosures Pertaining to Servicing Assets and Servicing Liabilities [Abstract]
Schedule of Servicing Assets at Fair Value	Following is a summary of the changes in the carrying value of MSRs, accounted for at fair value, for the years ended December 31, 2022, 2021 and 2020: December 31, December 31, December 31, (In thousands) 2022 2021 2020 Fair value at beginning of year $ 147,571 $ 92,081 $ 85,638 Additions from loans sold with servicing retained 46,221 72,754 71,077 Estimate of changes in fair value due to: Early buyout options (“EBO”) exercised (176) (749) (1,291) Payoffs and paydowns (23,455) (34,788) (32,579) Changes in valuation inputs or assumptions 60,064 18,273 (30,764) Fair value at end of year $ 230,225 $ 147,571 $ 92,081 Unpaid principal balance of mortgage loans serviced for others $ 14,052,596 $ 13,126,254 $ 10,833,135

Goodwill and Other Acquisitio_2

Goodwill and Other Acquisition-Related Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill Assets by Business Segment	A summary of the Company’s goodwill assets by business segment is presented in the following table: (In thousands) January 1, Goodwill Impairment Goodwill Adjustments December 31, 2022 Community banking $ 545,671 $ — $ — $ — $ 545,671 Specialty finance 40,105 — — (1,625) 38,480 Wealth management 69,373 — — — 69,373 Total $ 655,149 $ — $ — $ (1,625) $ 653,524
Summary of Finite-Lived Intangible Assets	A summary of acquisition-related intangible assets as of the dates shown and the expected amortization of finite-lived acquisition-related intangible assets as of December 31, 2022 is as follows: December 31, (In thousands) 2022 2021 Community banking segment: Core deposit intangibles with finite lives: Gross carrying amount $ 55,206 $ 55,206 Accumulated amortization (42,501) (38,067) Net carrying amount $ 12,705 $ 17,139 Trademark with indefinite lives: Carrying amount 5,800 5,800 Total net carrying amount $ 18,505 $ 22,939 Specialty finance segment: Customer list intangibles with finite lives: Gross carrying amount $ 1,962 $ 1,967 Accumulated amortization (1,785) (1,721) Net carrying amount $ 177 $ 246 Wealth management segment: Customer list and other intangibles with finite lives: Gross carrying amount $ 20,430 $ 20,430 Accumulated amortization (16,926) (15,308) Net carrying amount $ 3,504 $ 5,122 Total acquisition-related intangible assets: Gross carrying amount $ 83,398 $ 83,403 Accumulated amortization (61,212) (55,096) Total acquisition-related intangible assets, net $ 22,186 $ 28,307
Summary of Finite-Lived Intangible Assets	A summary of acquisition-related intangible assets as of the dates shown and the expected amortization of finite-lived acquisition-related intangible assets as of December 31, 2022 is as follows: December 31, (In thousands) 2022 2021 Community banking segment: Core deposit intangibles with finite lives: Gross carrying amount $ 55,206 $ 55,206 Accumulated amortization (42,501) (38,067) Net carrying amount $ 12,705 $ 17,139 Trademark with indefinite lives: Carrying amount 5,800 5,800 Total net carrying amount $ 18,505 $ 22,939 Specialty finance segment: Customer list intangibles with finite lives: Gross carrying amount $ 1,962 $ 1,967 Accumulated amortization (1,785) (1,721) Net carrying amount $ 177 $ 246 Wealth management segment: Customer list and other intangibles with finite lives: Gross carrying amount $ 20,430 $ 20,430 Accumulated amortization (16,926) (15,308) Net carrying amount $ 3,504 $ 5,122 Total acquisition-related intangible assets: Gross carrying amount $ 83,398 $ 83,403 Accumulated amortization (61,212) (55,096) Total acquisition-related intangible assets, net $ 22,186 $ 28,307
Estimated Amortization	Estimated amortization for the year-ended: 2023 $ 4,658 2024 3,259 2025 2,552 2026 1,954 2027 1,449

Premises, Software and Equipm_2

Premises, Software and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises, software and equipment at December 31, 2022 and 2021 is as follows: December 31, (In thousands) 2022 2021 Land $ 166,707 $ 168,057 Buildings and leasehold improvements 674,887 667,680 Furniture, equipment and computer software 307,468 329,314 Construction in progress 27,498 17,742 $ 1,176,560 $ 1,182,793 Less: Accumulated depreciation and amortization 411,762 416,388 Total premises, software, and equipment, net $ 764,798 $ 766,405

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Summary of Deposits	The following is a summary of deposits at December 31, 2022 and 2021: (Dollars in thousands) 2022 2021 Balance: Non-interest bearing $ 12,668,160 $ 14,179,980 NOW and interest-bearing demand deposits 5,591,986 4,646,944 Wealth management deposits 2,463,833 2,612,759 Money market 12,886,795 12,840,432 Savings 4,556,635 3,846,681 Time certificates of deposit 4,735,135 3,968,789 Total deposits $ 42,902,544 $ 42,095,585 Mix: Non-interest bearing 30 % 34 % NOW and interest-bearing demand deposits 13 11 Wealth management deposits 5 6 Money market 30 31 Savings 11 9 Time certificates of deposit 11 9 Total deposits 100 % 100 %
Schedule of Maturities of Time Certificates of Deposit	The scheduled maturities of time certificates of deposit at December 31, 2022 and 2021 are as follows: (In thousands) 2022 2021 Due within one year $ 3,627,816 $ 2,810,669 Due in one to two years 887,886 899,765 Due in two to three years 193,581 225,733 Due in three to four years 13,431 18,081 Due in four to five years 12,319 14,286 Due after five years 102 255 Total time certificate of deposits $ 4,735,135 $ 3,968,789
Schedule of Maturities of Uninsured Deposits Exceeding FDIC Insurance $250,000 Limit	The following table sets forth the scheduled maturities of uninsured deposits, specifically the portion of deposit balances in excess of the FDIC insurance limit of $250,000, at December 31, 2022 and 2021: (In thousands) 2022 2021 Maturing within three months $ 518,457 $ 140,250 After three but within six months 421,242 100,324 After six but within 12 months 232,120 137,400 After 12 months 165,353 173,527 Total $ 1,337,172 $ 551,501

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Dec. 31, 2022
Advance from Federal Home Loan Bank [Abstract]
Summary of Outstanding FHLB Advances	A summary of the outstanding FHLB advances at December 31, 2022 and 2021, is as follows: (In thousands) 2022 2021 0.00% advance due May 2022 $ — $ 75,000 4.31% advance due January 2023 290,000 — 0.00% advance due April 2024 442 442 2.98% advance due August 2024 25,000 25,000 0.00% advance due April 2026 629 629 2.05% variable-rate advance due January 2028 — 100,000 2.18% advance due February 2029 — 440,000 1.36% advance due December 2029 — 100,000 1.11% advance due February 2030 — 500,000 1.76% advance due August 2032 250,000 — 1.93% advance due August 2032 250,000 — 2.81% advance due September 2032 500,000 — 3.08% advance due September 2032 500,000 — 2.96% advance due December 2032 250,000 — 2.98% advance due December 2032 250,000 — Total FHLB advances $ 2,316,071 $ 1,241,071

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Summary Of Other Borrowings	The following is a summary of other borrowings at December 31, 2022 and 2021: (In thousands) 2022 2021 Notes payable $ 199,793 $ 80,319 Short-term borrowings 17,612 9,198 Other 61,267 63,292 Secured borrowings 317,942 341,327 Total other borrowings $ 596,614 $ 494,136
Schedule of Financial Instruments Owned and Pledged as Collateral	The following is a summary of these securities pledged as of December 31, 2022 disaggregated by investment category and maturity of the related customer sweep account, and reconciled to the outstanding balance of securities sold under repurchase agreements: (In thousands) Overnight Sweep Collateral Available-for-sale securities pledged Mortgage-backed securities pledged $ 173,000 Excess collateral 155,388 Securities sold under repurchase agreements $ 17,612

Junior Subordinated Debentures

Junior Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2022
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]
Summary of Junior Subordinated Debentures	The following table provides a summary of the Company’s junior subordinated debentures as of December 31, 2022 and 2021. The junior subordinated debentures represent the par value of the obligations owed to the Trusts. Common Securities Trust Preferred Securities Junior Rate Structure Contractual rate at 12/31/2022 Maturity Date Earliest Redemption Date (Dollars in thousands) 2022 2021 Issue Date Wintrust Capital Trust III $ 774 $ 25,000 $ 25,774 $ 25,774 L+3.25 7.33 % 04/2003 04/2033 04/2008 Wintrust Statutory Trust IV 619 20,000 20,619 20,619 L+2.80 7.55 12/2003 12/2033 12/2008 Wintrust Statutory Trust V 1,238 40,000 41,238 41,238 L+2.60 7.35 05/2004 05/2034 06/2009 Wintrust Capital Trust VII 1,550 50,000 51,550 51,550 L+1.95 6.72 12/2004 03/2035 03/2010 Wintrust Capital Trust VIII 1,238 25,000 26,238 26,238 L+1.45 6.20 08/2005 09/2035 09/2010 Wintrust Capital Trust IX 1,547 50,000 51,547 51,547 L+1.63 6.40 09/2006 09/2036 09/2011 Northview Capital Trust I 186 6,000 6,186 6,186 L+3.00 7.44 08/2003 11/2033 08/2008 Town Bankshares Capital Trust I 186 6,000 6,186 6,186 L+3.00 7.44 08/2003 11/2033 08/2008 First Northwest Capital Trust I 155 5,000 5,155 5,155 L+3.00 7.75 05/2004 05/2034 05/2009 Suburban Illinois Capital Trust II 464 15,000 15,464 15,464 L+1.75 6.52 12/2006 12/2036 12/2011 Community Financial Shares Statutory Trust II 109 3,500 3,609 3,609 L+1.62 6.39 06/2007 09/2037 06/2012 Total $ 253,566 $ 253,566 6.87 %

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue by Source	The following table presents revenue from contracts with customers, disaggregated by the revenue source: (Dollars in thousands) Years Ended Revenue from contracts with customers Location in income statement December 31, December 31, December 31, Brokerage and insurance product commissions Wealth management $ 17,668 $ 20,710 $ 18,731 Trust Wealth management 33,460 21,930 18,392 Asset management Wealth management 75,486 81,379 63,213 Total wealth management 126,614 124,019 100,336 Mortgage broker fees Mortgage banking 854 787 368 Service charges on deposit accounts Service charges on deposit accounts 58,574 54,168 45,023 Administrative services Other non-interest income 6,713 5,689 4,385 Card related fees Other non-interest income 11,474 9,210 7,579 Other deposit related fees Other non-interest income 13,490 13,299 12,439 Total revenue from contracts with customers $ 217,719 $ 207,172 $ 170,130
Contract Assets, Contract Liabilities and Receivables from Contracts with Customers	The following table provides information about contract assets, contract liabilities and receivables from contracts with customers: (Dollars in thousands) December 31, December 31, Contract assets $ — $ — Contract liabilities $ 1,282 $ 1,588 Mortgage broker fees receivable $ 20 $ 73 Administrative services receivable 279 68 Wealth management receivable 9,642 11,748 Card related fees receivable 571 921 Total receivables from contracts with customer $ 10,512 $ 12,810
Performance Obligations Unsatisfied at End of Period	For contracts with an original expected length of more than one year, the following table presents the estimated future timing of recognition of upfront fees related to card and deposit related fees. These upfront fees represent performance obligations that are unsatisfied or partially unsatisfied at the end of the reporting period. (Dollars in thousands) Estimated—2023 $ 932 Estimated—2024 250 Estimated—2025 100 Total $ 1,282

Lease Commitments (Tables)

Lease Commitments (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Summary of Lease Costs	The following tables provide a summary of lease costs and future required fixed payments related to the Company’s leasing arrangements in which it is the lessee: Year Ended (Dollars in thousands) December 31, Operating lease cost $ 22,767 Finance lease cost: Amortization of right-of-use asset 219 Interest on lease liability 291 Short-term lease cost 302 Variable lease cost 2,966 Sublease income (73) Total lease cost $ 26,472 Cash paid for amounts included in the measurement of operating lease liabilities $ 25,379 Cash paid for amounts included in the measurement of finance lease liabilities 337 Right-of-use asset obtained in exchange for new operating lease liabilities 7,832 Right-of-use asset obtained in exchange for new finance lease liabilities — Weighted average remaining lease term - operating leases 11.4 years Weighted average remaining lease term - finance leases 38.0 years Weighted average discount rate - operating leases 3.99 % Weighted average discount rate - finance leases 3.43 %
Summary of Future Required Fixed Payments Related to Operating Leasing Arrangements	(In thousands) Payments 2023 $ 21,494 2024 21,513 2025 20,453 2026 18,566 2027 17,584 2028 and thereafter 115,255 Total minimum future amounts $ 214,865 Impact of measuring the lease liability on a discounted basis (48,127) Total lease liability $ 166,738
Summary of Future Required Fixed Payments Related to Finance Leasing Arrangements	(In thousands) Payments 2023 $ 21,494 2024 21,513 2025 20,453 2026 18,566 2027 17,584 2028 and thereafter 115,255 Total minimum future amounts $ 214,865 Impact of measuring the lease liability on a discounted basis (48,127) Total lease liability $ 166,738
Schedule of Annual Gross Rental Receipts	The approximate annual gross rental receipts under noncancelable agreements with remaining terms in excess of one year as of December 31, 2022, are as follows (in thousands): Receipts 2023 $ 4,066 2024 2,861 2025 2,253 2026 1,745 2027 1,108 2028 and thereafter 3,674 Total minimum future amounts $ 15,707

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Tax Expense (Benefit)	Income tax expense (benefit) for the years ended December 31, 2022, 2021 and 2020 is summarized as follows: Years Ended December 31, (In thousands) 2022 2021 2020 Current income taxes: Federal $ 116,976 $ 118,723 $ 75,154 State 48,633 48,847 19,194 Foreign 3,207 6,936 6,501 Total current income taxes $ 168,816 $ 174,506 $ 100,849 Deferred income taxes: Federal $ 18,560 $ 794 $ 284 State (1,183) (3,597) (2,834) Foreign 4,680 (58) (1,508) Total deferred income taxes $ 22,057 $ (2,861) $ (4,058) Total income tax expense $ 190,873 $ 171,645 $ 96,791
Reconciliation of the Differences Between Taxes Computed Using the Statutory Federal Income Tax Rate and Actual Income Tax Expense	A reconciliation of the differences between taxes computed using the statutory Federal income tax rate and actual income tax expense is as follows: Years Ended December 31, (Dollars in thousands) 2022 2021 2020 Income tax expense using the statutory Federal income tax rate of 21% on income before taxes $ 147,117 $ 133,937 $ 81,854 Increase (decrease) in tax resulting from: Tax-exempt interest, net of interest expense disallowance (3,936) (2,605) (2,970) State taxes, net of federal tax benefit 37,328 35,747 20,098 Income earned on bank owned life insurance (102) (1,169) (956) (Excess) deficient tax benefits on share based compensation (2,278) (1,906) 466 Meals, entertainment and related expenses 1,506 1,208 992 FDIC insurance expense 6,014 5,676 4,605 Non-deductible compensation expense 2,361 1,799 398 Foreign subsidiary, net 2,376 2,011 2,080 Tax benefits related to tax credits, net (338) (1,145) (1,902) Release of state uncertain tax positions — — (7,173) Other, net 825 (1,908) (701) Income tax expense $ 190,873 $ 171,645 $ 96,791
Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities at December 31, 2022 and 2021 are as follows: (In thousands) 2022 2021 Deferred tax assets: Net unrealized losses on securities included in other comprehensive income $ 140,002 $ — Allowance for credit losses 95,389 $ 79,879 Right-of-use liability 44,277 47,312 Deferred compensation 26,411 26,301 Stock-based compensation 11,196 5,762 Federal net operating loss carryforward 1,003 1,870 Nonaccrued interest 875 1,098 Loans 819 1,344 Other 4,497 4,652 Total gross deferred tax assets 324,469 168,218 Deferred tax liabilities: Equipment leasing 138,198 122,711 Premises and equipment 51,058 56,377 Right-of-use asset 36,484 38,973 Capitalized servicing rights 59,928 37,528 Goodwill and intangible assets 12,636 10,577 Deferred loan fees and costs 5,061 967 Net unrealized gains on derivatives included in other comprehensive income 2,364 9,836 Net unrealized gains on securities included in other comprehensive income — 3,169 Other 1,387 3,835 Total gross deferred tax liabilities 307,116 283,973 Net deferred tax assets (liabilities) $ 17,353 $ (115,755)
Summary of Positions for which Significant Change in Unrecognized Tax Benefits is Reasonably Possible	The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: Years Ended December 31, (In thousands) 2022 2021 2020 Unrecognized tax benefits at beginning of year $ — $ — $ 10,840 Gross increases for tax positions taken in current period — — — Gross decreases for positions taken in prior periods — — (10,571) Settlements with taxing authorities — — (269) Unrecognized tax benefits at end of year $ — $ — $ —

Stock Compensation Plans and _2

Stock Compensation Plans and Other Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Summary of Stock Option Activity	A summary of the Plans’ stock option activity for the years ended December 31, 2022, 2021 and 2020 is as follows: Stock Options Common Weighted Average Remaining Contractual Term (1) Intrinsic Value (2) ($000) Outstanding at January 1, 2020 755,332 $ 42.43 Exercised (229,061) 42.29 Forfeited or canceled (5,608) 44.34 Outstanding at December 31, 2020 520,663 $ 42.47 1.9 $ 9,694 Exercisable at December 31, 2020 512,762 $ 42.46 1.8 $ 9,555 Outstanding at January 1, 2021 520,663 $ 42.47 Exercised (326,626) 42.97 Forfeited or canceled (590) 46.86 Outstanding at December 31, 2021 193,447 $ 41.62 1.4 $ 9,518 Exercisable at December 31, 2021 191,898 $ 41.57 1.3 $ 9,451 Outstanding at January 1, 2022 193,447 $ 41.62 Exercised (123,924) 41.89 Forfeited or canceled (1,430) 40.87 Outstanding at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 Exercisable at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 Vested or expected to vest at December 31, 2022 68,093 $ 41.14 1.1 $ 2,954 (1) Represents the weighted average contractual remaining life in years. (2) Aggregate intrinsic value represents the total pretax intrinsic value (i.e., the difference between the Company’s stock price at year end and the option exercise price, multiplied by the number of shares) that would have been received by the option holders if they had exercised their options on the last day of the year. Options with exercise prices above the year end stock price are excluded from the calculation of intrinsic value. The intrinsic value will change based on the fair market value of the Company’s stock.
Summary of Plans' Restricted Share Award Activity	A summary of the Plans’ restricted share activity for the years ended December 31, 2022, 2021 and 2020 is as follows: 2022 2021 2020 Restricted Shares Common Weighted Common Weighted Common Weighted Outstanding at January 1 476,813 $ 61.33 234,794 $ 59.02 144,328 $ 60.37 Granted 225,680 95.93 276,311 63.96 117,571 60.85 Vested and issued (68,541) 64.49 (19,673) 68.92 (20,441) 74.42 Forfeited or canceled (23,797) 75.84 (14,619) 63.66 (6,664) 73.54 Outstanding at end of year 610,155 $ 73.21 476,813 $ 61.33 234,794 $ 59.02 Vested, but deferred, at year end 96,920 $ 53.08 95,465 $ 52.52 93,969 $ 52.11 A summary of the Plans’ performance-based stock award activity, based on the target level of the awards, for the years ended December 31, 2022, 2021 and 2020 is as follows: 2022 2021 2020 Performance Shares Common Weighted Common Weighted Common Weighted Outstanding at January 1 557,255 $ 62.94 482,608 $ 71.15 465,515 $ 74.37 Granted 160,598 97.14 208,851 58.99 170,032 63.61 Added by performance factor at vesting — — — — 48,831 72.59 Vested and issued — — — — (180,789) 72.59 Forfeited or canceled (172,474) 71.52 (134,204) 86.30 (20,981) 72.46 Outstanding at end of year 545,379 $ 70.30 557,255 $ 62.94 482,608 $ 71.15 Vested, but deferred, at year end 35,696 $ 44.38 35,160 $ 43.69 34,609 $ 43.14

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Compliance with Minimum Capital Requirements	As reflected in the following table, the Company met all minimum capital requirements at December 31, 2022 and 2021: 2022 2021 Total capital to risk weighted assets 11.9 % 11.6 % Tier 1 capital to risk weighted assets 10.0 9.6 Common Equity Tier 1 capital to risk weighted assets 9.1 8.6 Tier 1 Leverage Ratio 8.8 8.0
Actual Capital Amounts And Ratios	The banks’ actual capital amounts and ratios as of December 31, 2022 and 2021 are presented in the following table: December 31, 2022 December 31, 2021 Actual To Be Well Actual To Be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Lake Forest Bank $ 725,384 11.4 % $ 638,871 10.0 % $ 614,942 11.1 % $ 552,325 10.0 % Hinsdale Bank 441,317 11.7 378,007 10.0 370,363 11.3 327,716 10.0 Wintrust Bank 1,084,435 12.0 907,101 10.0 905,629 11.2 810,711 10.0 Libertyville Bank 242,482 12.0 201,695 10.0 203,893 11.4 179,719 10.0 Barrington Bank 387,113 11.5 337,499 10.0 362,019 11.6 313,373 10.0 Crystal Lake Bank 154,891 11.4 136,419 10.0 139,059 11.4 121,722 10.0 Northbrook Bank 409,571 11.3 362,342 10.0 338,912 11.2 303,915 10.0 Schaumburg Bank 169,428 11.3 149,425 10.0 148,108 11.0 134,208 10.0 Village Bank 256,537 11.3 226,399 10.0 219,017 11.0 198,923 10.0 Beverly Bank 223,808 11.5 195,237 10.0 189,349 11.4 166,645 10.0 Town Bank 314,351 11.3 278,704 10.0 273,185 11.3 241,598 10.0 Wheaton Bank 285,606 11.6 247,015 10.0 245,045 11.4 215,507 10.0 State Bank of the Lakes 167,023 11.3 147,369 10.0 145,438 11.3 129,304 10.0 Old Plank Trail Bank 211,437 11.5 183,269 10.0 190,402 11.5 165,493 10.0 St. Charles Bank 211,132 11.3 186,623 10.0 183,726 11.4 161,563 10.0 Tier 1 Capital (to Risk Weighted Assets): Lake Forest Bank $ 689,320 10.8 % $ 511,097 8.0 % $ 586,701 10.6 % $ 441,860 8.0 % Hinsdale Bank 416,762 11.0 302,406 8.0 352,916 10.8 262,173 8.0 Wintrust Bank 1,004,271 11.1 725,681 8.0 844,613 10.4 648,569 8.0 Libertyville Bank 225,766 11.2 161,356 8.0 191,716 10.7 143,775 8.0 Barrington Bank 373,830 11.1 269,999 8.0 353,629 11.3 250,698 8.0 Crystal Lake Bank 145,514 10.7 109,135 8.0 131,730 10.8 97,378 8.0 Northbrook Bank 383,691 10.6 289,874 8.0 320,243 10.5 243,132 8.0 Schaumburg Bank 160,061 10.7 119,540 8.0 141,228 10.5 107,367 8.0 Village Bank 238,246 10.5 181,120 8.0 206,828 10.4 159,138 8.0 Beverly Bank 206,714 10.6 156,189 8.0 179,487 10.8 133,316 8.0 Town Bank 297,499 10.7 222,963 8.0 262,859 10.9 193,278 8.0 Wheaton Bank 269,366 10.9 197,612 8.0 234,218 10.9 172,405 8.0 State Bank of the Lakes 159,399 10.8 117,895 8.0 138,266 10.7 103,443 8.0 Old Plank Trail Bank 201,864 11.0 146,615 8.0 177,956 10.8 132,394 8.0 St. Charles Bank 200,910 10.8 149,299 8.0 174,516 10.8 129,250 8.0 Common Equity Tier 1 Capital (to Risk Weighted Assets): Lake Forest Bank $ 689,320 10.8 % $ 415,266 6.5 % $ 586,701 10.6 % $ 359,011 6.5 % Hinsdale Bank 416,762 11.0 245,705 6.5 352,916 10.8 213,015 6.5 Wintrust Bank 1,004,271 11.1 589,616 6.5 844,613 10.4 526,962 6.5 Libertyville Bank 225,766 11.2 131,102 6.5 191,716 10.7 116,817 6.5 Barrington Bank 373,830 11.1 219,374 6.5 353,629 11.3 203,692 6.5 Crystal Lake Bank 145,514 10.7 88,673 6.5 131,730 10.8 79,119 6.5 Northbrook Bank 383,691 10.6 235,522 6.5 320,243 10.5 197,545 6.5 Schaumburg Bank 160,061 10.7 97,126 6.5 141,228 10.5 87,235 6.5 Village Bank 238,246 10.5 147,160 6.5 206,828 10.4 129,300 6.5 Beverly Bank 206,714 10.6 126,904 6.5 179,487 10.8 108,319 6.5 Town Bank 297,499 10.7 181,157 6.5 262,859 10.9 157,039 6.5 Wheaton Bank 269,366 10.9 160,559 6.5 234,218 10.9 140,079 6.5 State Bank of the Lakes 159,399 10.8 95,790 6.5 138,266 10.7 84,048 6.5 Old Plank Trail Bank 201,864 11.0 119,125 6.5 177,956 10.8 107,571 6.5 St. Charles Bank 200,910 10.8 121,305 6.5 174,516 10.8 105,016 6.5 December 31, 2022 December 31, 2021 Actual To Be Well Actual To Be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Tier 1 Leverage Ratio: Lake Forest Bank $ 689,320 8.8 % $ 391,452 5.0 % $ 586,701 8.3 % $ 353,846 5.0 % Hinsdale Bank 416,762 9.5 220,373 5.0 352,916 8.8 200,228 5.0 Wintrust Bank 1,004,271 10.7 469,415 5.0 844,613 9.2 461,082 5.0 Libertyville Bank 225,766 9.3 121,475 5.0 191,716 8.5 112,448 5.0 Barrington Bank 373,830 10.3 181,212 5.0 353,629 10.9 162,392 5.0 Crystal Lake Bank 145,514 9.5 76,780 5.0 131,730 9.7 67,711 5.0 Northbrook Bank 383,691 9.1 211,521 5.0 320,243 8.5 188,424 5.0 Schaumburg Bank 160,061 9.3 86,409 5.0 141,228 9.0 78,938 5.0 Village Bank 238,246 9.7 123,484 5.0 206,828 9.2 111,885 5.0 Beverly Bank 206,714 10.0 103,759 5.0 179,487 9.9 90,265 5.0 Town Bank 297,499 8.4 176,660 5.0 262,859 7.9 166,487 5.0 Wheaton Bank 269,366 9.0 148,942 5.0 234,218 8.1 144,949 5.0 State Bank of the Lakes 159,399 9.1 88,065 5.0 138,266 8.5 81,475 5.0 Old Plank Trail Bank 201,864 8.7 115,692 5.0 177,956 8.2 108,332 5.0 St. Charles Bank 200,910 9.6 104,431 5.0 174,516 9.1 95,638 5.0

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Fair Value of Derivative Financial Instruments	The table below presents the fair value of the Company’s derivative financial instruments as of December 31, 2022 and December 31, 2021: Derivative Assets Derivative Liabilities (In thousands) December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Derivatives designated as hedging instruments under ASC 815: Interest rate derivatives designated as Cash Flow Hedges $ — $ 47,309 $ 58,198 $ 10,401 Interest rate derivatives designated as Fair Value Hedges 16,768 1,474 — 5,841 Total derivatives designated as hedging instruments under ASC 815 $ 16,768 $ 48,783 $ 58,198 $ 16,242 Derivatives not designated as hedging instruments under ASC 815: Interest rate derivatives $ 269,670 $ 103,710 $ 271,109 $ 103,665 Interest rate lock commitments 1,711 10,560 58 885 Forward commitments to sell mortgage loans 220 1,625 414 1,878 Commodity forward contracts 257 — 162 — Foreign exchange contracts 8,222 330 8,137 330 Total derivatives not designated as hedging instruments under ASC 815 $ 280,080 $ 116,225 $ 279,880 $ 106,758 Total Derivatives $ 296,848 $ 165,008 $ 338,078 $ 123,000
Schedule of Cash Flow Hedging Instruments	The table below provides details on these cash flow hedges, summarized by derivative type and maturity, as of December 31, 2022: (In thousands) December 31, 2022 Notional Fair Value Interest Rate Collars: 1-month CME term SOFR; buy 2.250% floor, sell 3.743% cap; matures September 2025 $ 1,250,000 $ (20,446) 1-month CME term SOFR; buy 2.750% floor, sell 4.320% cap; matures October 2026 500,000 (1,473) 1-month CME term SOFR; buy 2.000% floor, sell 3.450% cap; matures September 2027 1,250,000 (36,279) Total Cash Flow Hedges $ 3,000,000 $ (58,198)
Rollforward of Amounts in Accumulated Other Comprehensive Income Related to Interest Rate Swaps Designated as Cash Flow Hedges	A rollforward of the amounts in accumulated other comprehensive income or loss related to interest rate derivatives designated as cash flow hedges, including such derivative contracts terminated during the period, follows: Years Ended December 31, (In thousands) 2022 2021 Unrealized gain (loss) at beginning of period $ 36,908 $ (31,533) Amount reclassified from accumulated other comprehensive income or loss to interest expense on deposits, loans, other borrowings and junior subordinated debentures (3,319) 26,883 Amount of (loss) gain recognized in other comprehensive income or loss (23,563) 41,558 Unrealized gain at end of period $ 10,026 $ 36,908
Schedule of Carrying Amount of Hedged Assets/(Liabilities)	The following table presents the carrying amount of the hedged assets/(liabilities) and the cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) that are designated as a fair value hedge accounting relationship as of December 31, 2022: December 31, 2022 (In thousands) Derivatives in Fair Value Hedging Relationships Location in the Statement of Condition Carrying Amount of the Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets (Liabilities) for which Hedge Accounting has been Discontinued Interest rate swaps Loans, net of unearned income $ 189,587 $ (16,719) $ (107) Available-for-sale debt securities 923 (23) — The following table presents the gain or loss recognized related to derivative instruments that are designated as fair value hedges for the respective period: (In thousands) Derivatives in Fair Value Location of Gain or (Loss) Recognized in Income on Derivative Year Ended 2022 Interest rate swaps Interest and fees on loans $ 10 Interest income - investment securities —
Summary Amounts Included in Consolidated Statement of Income Related to Derivatives	Amounts included in the Consolidated Statements of Income related to derivative instruments not designated in hedge relationships were as follows: (In thousands) Years Ended Derivative Location in income statement 2022 2021 Interest rate swaps and caps Trading gains (losses), net $ 3,603 $ 139 Mortgage banking derivatives Mortgage banking revenue (23,470) (42,652) Commodity contracts Trading gains (losses), net 95 — Foreign exchange contracts Trading gains (losses), net 85 (10) Covered call options Fees from covered call options 14,133 3,673 Derivative contract held as economic hedge on MSRs Mortgage banking revenue (2,165) —
Offsetting Assets	The table below summarizes the Company’s interest rate derivatives and offsetting positions as of the dates shown. Derivative Assets Derivative Liabilities Fair Value Fair Value (In thousands) December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Gross Amounts Recognized $ 286,438 $ 152,493 $ 329,307 $ 119,907 Less: Amounts offset in the Statements of Condition — — — — Net amount presented in the Statements of Condition $ 286,438 $ 152,493 $ 329,307 $ 119,907 Gross amounts not offset in the Statements of Condition Offsetting Derivative Positions $ (64,100) $ (52,832) $ (64,100) $ (52,832) Collateral Posted (194,666) (3,530) — (55,201) Net Credit Exposure $ 27,672 $ 96,131 $ 265,207 $ 11,874
Offsetting Liabilities	The table below summarizes the Company’s interest rate derivatives and offsetting positions as of the dates shown. Derivative Assets Derivative Liabilities Fair Value Fair Value (In thousands) December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Gross Amounts Recognized $ 286,438 $ 152,493 $ 329,307 $ 119,907 Less: Amounts offset in the Statements of Condition — — — — Net amount presented in the Statements of Condition $ 286,438 $ 152,493 $ 329,307 $ 119,907 Gross amounts not offset in the Statements of Condition Offsetting Derivative Positions $ (64,100) $ (52,832) $ (64,100) $ (52,832) Collateral Posted (194,666) (3,530) — (55,201) Net Credit Exposure $ 27,672 $ 96,131 $ 265,207 $ 11,874

Fair Value of Assets and Liab_2

Fair Value of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Summary of Balances of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following tables present the balances of assets and liabilities measured at fair value on a recurring basis for the periods presented: December 31, 2022 (In thousands) Total Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury $ 14,948 $ 14,948 $ — $ — U.S. government agencies 74,222 — 74,222 — Municipal 168,655 — 51,118 117,537 Corporate notes 85,705 — 85,705 — Mortgage-backed 2,899,487 — 2,899,487 — Trading account securities 1,127 — 1,127 — Equity securities with readily determinable fair value 110,365 102,299 8,066 — Mortgage loans held-for-sale 299,935 — 251,280 48,655 Loans held-for-investment 179,932 — 95,767 84,165 MSRs 230,225 — — 230,225 Nonqualified deferred compensations assets 13,899 — 13,899 — Derivative assets 296,848 — 295,137 1,711 Total $ 4,375,348 $ 117,247 $ 3,775,808 $ 482,293 Derivative liabilities $ 338,078 $ — $ 338,078 $ — December 31, 2021 (In thousands) Total Level 1 Level 2 Level 3 Available-for-sale securities U.S. Treasury $ — $ — $ — $ — U.S. government agencies 52,507 — 52,507 — Municipal 165,594 — 59,907 105,687 Corporate notes 95,704 — 95,704 — Mortgage-backed 2,013,988 — 2,013,988 — Trading account securities 1,061 — 1,061 — Equity securities with readily determinable fair value 90,511 82,445 8,066 — Mortgage loans held-for-sale 817,912 — 817,912 — Loans held-for-investment 38,598 — 22,707 15,891 MSRs 147,571 — — 147,571 Nonqualified deferred compensations assets 16,240 — 16,240 — Derivative assets 165,008 — 154,448 10,560 Total $ 3,604,694 $ 82,445 $ 3,242,540 $ 279,709 Derivative liabilities $ 123,000 $ — $ 123,000 $ —
Summary of Changes in Level Three Assets and Liabilities Measured at Fair Value on a Recurring Basis	The changes in Level 3 assets measured at fair value on a recurring basis during the years ended December 31, 2022 and 2021 are summarized as follows: (In thousands) Municipal Mortgage loans held-for-sale U.S. government agencies Loans held-for-investment MSRs Derivative assets Balance at January 1, 2022 $ 105,687 $ — $ — $ 15,891 $ 147,571 $ 10,560 Total net gains (losses) included in: Net income (1) — (2,749) — (4,177) 82,654 (8,849) Other comprehensive income or loss (8,766) — — — — — Purchases 60,546 — — — — — Issuances — — — — — — Sales — — — — — — Settlements (39,930) (43,434) — (38,319) — — Net transfers into/(out of) Level 3 — 94,838 — 110,770 — — Balance at December 31, 2022 $ 117,537 $ 48,655 $ — $ 84,165 $ 230,225 $ 1,711 (In thousands) Municipal Mortgage loans held-for-sale U.S. government agencies Loans held-for-investment MSRs Derivative assets Balance at January 1, 2021 $ 109,876 $ — $ 1,966 $ 10,280 $ 92,081 $ 48,091 Total net gains (losses) included in: Net income (1) — — (4) (293) 55,490 (37,531) Other comprehensive income or loss (4,830) (24) — — — Purchases 38,727 — — — — — Issuances — — — — — — Sales — — — — — — Settlements (38,086) — (1,938) (4,653) — — Net transfers into/(out of) Level 3 — — — 10,557 — — Balance at December 31, 2021 $ 105,687 $ — $ — $ 15,891 $ 147,571 $ 10,560 (1) Changes in the balance of mortgage loans held-for-sale, MSRs and derivative assets related to fair value adjustments are recorded as a component of mortgage banking revenue. Changes in the balance of loans held-for-investment related to fair value adjustments are recorded as other non-interest income.
Summary of Assets Measured at Fair Value on a Nonrecurring Basis	For assets measured at fair value on a non-recurring basis that were still held in the balance sheet at the end of the period, the following table provides the carrying value of the related individual assets or portfolios at December 31, 2022. December 31, 2022 Year Ended December 31, 2022 Fair Value Losses Recognized, net (In thousands) Total Level 1 Level 2 Level 3 Individually assessed loans - foreclosure probable and collateral-dependent $ 69,019 $ — $ — $ 69,019 $ 16,595 Other real estate owned (1) 9,900 — — 9,900 435 Total $ 78,919 $ — $ — $ 78,919 $ 17,030 (1) Fair value losses recognized, net on other real estate owned include valuation adjustments and charge-offs during the respective period.
Schedule of Valuation Techniques and Significant Unobservable Inputs Used to Measure Both Recurring and Nonrecurring	The valuation techniques and significant unobservable inputs used to measure both recurring and non-recurring Level 3 fair value measurements at December 31, 2022 were as follows: (Dollars in thousands) Fair Value Valuation Methodology Significant Unobservable Input Range Weighted Impact to valuation from an increased Measured at fair value on a recurring basis: Municipal securities $ 117,537 Bond pricing Equivalent rating BBB-AA+ N/A Increase Mortgage loans held-for-sale 48,655 Discounted cash flows Discount rate 6.21 % 6.21 % Decrease Credit discount 0% - 12% 0.33 % Decrease Loans held-for-investment 84,165 Discounted cash flows Discount rate 6.21% - 6.75% 6.26 % Decrease Credit discount 0% - 12% 0.77 % Decrease Constant prepayment rate (CPR) - current loans 6.62 % 6.62 % Decrease Average life - delinquent loans (in years) 1.4 years - 10.0 years 5.8 years Decrease MSRs 230,225 Discounted cash flows Discount rate 7% - 24% 10.30 % Decrease Constant prepayment rate (CPR) 0% - 100% 6.62 % Decrease Cost of servicing $70 - $200 $ 75 Decrease Cost of servicing - delinquent $200 - $1,000 $ 343 Decrease Derivatives 1,711 Discounted cash flows Pull-through rate 35% - 100% 86.12 % Increase Measured at fair value on a non-recurring basis: Individually assessed loans - foreclosure probable and collateral-dependent 69,019 Appraisal value Appraisal adjustment - cost of sale 10 % 10.00 % Decrease Other real estate owned 9,900 Appraisal value Appraisal adjustment - cost of sale 10 % 10.00 % Decrease
Summary of Carrying Amounts and Estimated Fair Values of Financial Instruments	The table below presents the carrying amounts and estimated fair values of the Company’s financial instruments as of the dates shown: December 31, 2022 December 31, 2021 (In thousands) Carrying Fair Carrying Fair Financial Assets: Cash and cash equivalents $ 490,966 $ 490,966 $ 411,205 $ 411,205 Securities sold under agreements to repurchase with original maturities exceeding three months — — 700,000 700,000 Interest-bearing deposits with banks 1,988,719 1,988,719 5,372,603 5,372,603 Available-for-sale securities 3,243,017 3,243,017 2,327,793 2,327,793 Held-to-maturity securities 3,640,567 2,949,821 2,942,285 2,900,694 Trading account securities 1,127 1,127 1,061 1,061 Equity securities with readily determinable fair value 110,365 110,365 90,511 90,511 FHLB and FRB stock, at cost 224,759 224,759 135,378 135,378 Brokerage customer receivables 16,387 16,387 26,068 26,068 Mortgage loans held-for-sale, at fair value 299,935 299,935 817,912 817,912 Loans held-for-investment, at fair value 179,932 179,932 38,598 38,598 Loans held-for-investment, at amortized cost 39,016,553 38,018,678 34,750,506 35,297,878 Nonqualified deferred compensation assets 13,899 13,899 16,240 16,240 Derivative assets 296,848 296,848 165,008 165,008 Accrued interest receivable and other 379,719 379,719 268,921 268,921 Total financial assets $ 49,902,793 $ 48,214,172 $ 48,064,089 $ 48,569,870 Financial Liabilities: Non-maturity deposits $ 38,167,409 $ 38,167,409 $ 38,126,796 $ 38,126,796 Deposits with stated maturities 4,735,135 4,085,058 3,968,789 3,965,372 FHLB advances 2,316,071 2,219,983 1,241,071 1,186,280 Other borrowings 596,614 569,342 494,136 494,670 Subordinated notes 437,392 409,395 436,938 472,684 Junior subordinated debentures 253,566 253,405 253,566 212,226 Derivative liabilities 338,078 338,078 123,000 123,000 Accrued interest payable 22,176 22,176 9,304 9,304 Total financial liabilities $ 46,866,441 $ 46,064,846 $ 44,653,600 $ 44,590,332

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Summary of the Company's Common and Preferred Stock	A summary of the Company’s common and preferred stock at December 31, 2022 and 2021 is as follows: 2022 2021 Common Stock: Shares authorized 100,000,000 100,000,000 Shares issued 60,797,270 58,891,780 Shares outstanding 60,794,008 57,054,091 Cash dividend per share $ 1.36 $ 1.24 Preferred Stock: Shares authorized 20,000,000 20,000,000 Shares issued 5,011,500 5,011,500 Shares outstanding 5,011,500 5,011,500
Components of Other Comprehensive Income (Loss)	The following tables summarize the components of other comprehensive income or loss, including the related income tax effects, and the related amount reclassified to net income for the years ended December 31, 2022, 2021 and 2020: (In thousands) Accumulated Accumulated Accumulated Total Balance at January 1, 2022 $ 8,724 $ 27,111 $ (31,743) $ 4,092 Other comprehensive loss during the period, net of tax, before reclassifications (394,332) (17,295) (17,217) (428,844) Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (321) (2,435) — (2,756) Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (128) — — (128) Net other comprehensive loss during the period, net of tax $ (394,781) $ (19,730) $ (17,217) $ (431,728) Balance at December 31, 2022 $ (386,057) $ 7,381 $ (48,960) $ (427,636) Balance at January 1, 2021 $ 70,737 $ (23,090) $ (32,265) $ 15,382 Other comprehensive (loss) income during the period, net of tax, before reclassifications (61,047) 30,482 522 (30,043) Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (789) 19,719 — 18,930 Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (177) — — (177) Net other comprehensive (loss) income during the period, net of tax $ (62,013) $ 50,201 $ 522 $ (11,290) Balance at December 31, 2021 $ 8,724 $ 27,111 $ (31,743) $ 4,092 Balance at January 1, 2020 $ 14,982 $ (13,141) $ (36,519) $ (34,678) Other comprehensive income (loss) during the period, net of tax, before reclassifications 56,086 (23,497) 4,254 36,843 Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax (162) 13,548 — 13,386 Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax (169) — — (169) Net other comprehensive income (loss) during the period, net of tax $ 55,755 $ (9,949) $ 4,254 $ 50,060 Balance at December 31, 2020 $ 70,737 $ (23,090) $ (32,265) $ 15,382
Other Comprehensive Income Reclassified from AOCI	Amount Reclassified from Accumulated Other Comprehensive Income (Loss) for the Years Ended, Details Regarding the Component of Accumulated Other Comprehensive Income (Loss) December 31, Impacted Line on the Consolidated Statements of Income 2022 2021 (In thousands) Accumulated unrealized gains on available-for-sale securities Gains included in net income $ 439 $ 1,079 Gains (losses) on investment securities, net 439 1,079 Income before taxes Tax effect (118) (290) Income tax expense Net of tax $ 321 $ 789 Net income Accumulated unrealized gains (losses) on derivative instruments Amount reclassified to interest income on loans $ 1,443 $ — Interest on loans Amount reclassified to interest expense on deposits (5,675) 19,640 Interest on deposits Amount reclassified to interest expense on other borrowings 913 2,560 Interest on other borrowings Amount reclassified to interest expense on junior subordinated debentures — 4,683 Interest on junior subordinated debentures 3,319 (26,883) Income before taxes Tax effect (884) 7,164 Income tax expense Net of tax $ 2,435 $ (19,719) Net income

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Summary of Segment Information	The following is a summary of certain operating information for reportable segments: (In thousands) Community Specialty Wealth Total Operating Segments Intersegment Eliminations Consolidated 2022 Net interest income $ 1,180,198 $ 246,681 $ 38,304 $ 1,465,183 $ 30,179 $ 1,495,362 Provision for credit losses 74,184 4,405 — 78,589 — 78,589 Non-interest income 298,572 97,701 124,609 520,882 (59,829) 461,053 Non-interest expense 926,298 172,784 107,839 1,206,921 (29,650) 1,177,271 Income tax expense 128,939 46,286 15,648 190,873 — 190,873 Net income $ 349,349 $ 120,907 $ 39,426 $ 509,682 $ — $ 509,682 Total assets at end of year $ 41,368,200 $ 9,826,254 $ 1,755,195 $ 52,949,649 $ — $ 52,949,649 2021 Net interest income $ 868,477 $ 197,958 $ 31,939 $ 1,098,374 $ 26,583 $ 1,124,957 Provision for credit losses (60,309) 1,046 — (59,263) — (59,263) Non-interest income 422,698 95,822 128,951 647,471 (61,351) 586,120 Non-interest expense 912,296 143,526 111,490 1,167,312 (34,768) 1,132,544 Income tax expense 120,092 40,040 11,513 171,645 — 171,645 Net income $ 319,096 $ 109,168 $ 37,887 $ 466,151 $ — $ 466,151 Total assets at end of year $ 40,253,818 $ 8,382,722 $ 1,505,603 $ 50,142,143 $ — $ 50,142,143 2020 Net interest income $ 808,443 $ 177,025 $ 30,612 $ 1,016,080 $ 23,827 $ 1,039,907 Provision for credit losses 206,774 7,446 — 214,220 — 214,220 Non-interest income 469,187 86,268 103,438 658,893 (54,704) 604,189 Non-interest expense 855,797 118,560 96,615 1,070,972 (30,877) 1,040,095 Income tax expense 51,439 36,956 8,396 96,791 — 96,791 Net income $ 163,620 $ 100,331 $ 29,039 $ 292,990 $ — $ 292,990 Total assets at end of year $ 36,769,640 $ 7,015,590 $ 1,295,538 $ 45,080,768 $ — $ 45,080,768

Condensed Parent Company Fina_2

Condensed Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Statements of Financial Condition	Statements of Financial Condition December 31, (In thousands) 2022 2021 Assets Cash $ 266,350 $ 181,157 Available-for-sale debt securities and equity securities with readily determinable fair value 14,771 17,089 Investment in and receivable from subsidiaries 5,282,530 4,966,720 Goodwill 8,371 8,371 Other assets 360,309 354,148 Total assets $ 5,932,331 $ 5,527,485 Liabilities and Shareholders’ Equity Other liabilities $ 183,475 $ 194,681 Subordinated notes 437,392 436,938 Other borrowings 261,060 143,612 Junior subordinated debentures 253,566 253,566 Shareholders’ equity 4,796,838 4,498,688 Total liabilities and shareholders’ equity $ 5,932,331 $ 5,527,485
Statements of Income	Statements of Income Years Ended December 31, (In thousands) 2022 2021 2020 Income Dividends and other revenue from subsidiaries $ 120,151 $ 211,774 $ 317,839 Other (losses) income (12,969) 2,763 (1,890) Total income $ 107,182 $ 214,537 $ 315,949 Expenses Interest expense $ 36,522 $ 38,293 $ 39,581 Salaries and employee benefits 138,466 109,142 75,179 Other expenses 155,744 139,816 113,886 Total expenses $ 330,732 $ 287,251 $ 228,646 (Loss) income before income taxes and equity in undistributed income of subsidiaries $ (223,550) $ (72,714) $ 87,303 Income tax benefit 70,490 56,529 42,745 (Loss) income before equity in undistributed net income of subsidiaries $ (153,060) $ (16,185) $ 130,048 Equity in undistributed net income of subsidiaries 662,742 482,336 162,942 Net income $ 509,682 $ 466,151 $ 292,990
Statements of Cash Flows	Statements of Cash Flows Years Ended December 31, (In thousands) 2022 2021 2020 Operating Activities: Net income $ 509,682 $ 466,151 $ 292,990 Adjustments to reconcile net income to net cash provided by operating activities Losses (gains) on available-for-sale debt securities and equity securities with readily determinable fair value, net 7,018 (1,794) (192) Depreciation and amortization 27,642 28,783 22,224 Deferred income tax (benefit) expense (2,773) (5,350) 11,336 Stock-based compensation expense 13,632 6,769 (2,813) (Increase) decrease in other assets (7,116) 6,598 4,838 (Decrease) increase in other liabilities (6,107) 1,225 2,388 Equity in undistributed net income of subsidiaries (662,742) (482,336) (162,942) Net Cash (Used for) Provided by Operating Activities $ (120,764) $ 20,046 $ 167,829 Investing Activities: Capital contributions to subsidiaries, net $ (69,000) $ (27,000) $ (12,000) Other investing activity, net (30,872) (22,877) (40,127) Net Cash Used for Investing Activities $ (99,872) $ (49,877) $ (52,127) Financing Activities: Increase (decrease) in subordinated notes, other borrowings and junior subordinated debentures, net $ 117,381 $ (23,274) $ (2,690) Proceeds from the issuance of common stock, net 285,729 — — Proceeds from issuance of Series E Preferred Stock, net — — 277,613 Issuance of common shares resulting from exercise of stock options and employee stock purchase plan 11,233 19,824 15,059 Dividends paid (108,210) (98,629) (85,890) Common stock repurchases under authorized program — (9,540) (92,055) Common stock repurchases for tax withholdings related to stock-based compensation (304) — (1,377) Net Cash Provided by (Used for) Financing Activities $ 305,829 $ (111,619) $ 110,660 Net Increase (Decrease) in Cash and Cash Equivalents $ 85,193 $ (141,450) $ 226,362 Cash and Cash Equivalents at Beginning of Year 181,157 322,607 96,245 Cash and Cash Equivalents at End of Year $ 266,350 $ 181,157 $ 322,607

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Common Share	The following table sets forth the computation of basic and diluted earnings per common share for 2022, 2021 and 2020: (In thousands, except per share data) 2022 2021 2020 Net income $ 509,682 $ 466,151 $ 292,990 Less: Preferred stock dividends 27,964 27,964 21,377 Net income applicable to common shares (A) $ 481,718 $ 438,187 $ 271,613 Weighted average common shares outstanding (B) 59,205 56,994 57,523 Effect of dilutive potential common shares: Common stock equivalents 886 792 496 Weighted average common shares and effect of dilutive potential common shares (C) 60,091 57,786 58,019 Net income per common share: Basic (A/B) $ 8.14 $ 7.69 $ 4.72 Diluted (A/C) 8.02 7.58 4.68

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accounting Policies [Line Items]
Securities sold under agreements to repurchase with original maturities exceeding three months	$ 0	$ 700,000,000
Other real estate owned, excluding covered other real estate owned	9,900,000	4,300,000
Bank-owned life insurance	$ 157,300,000	$ 157,700,000
Minimum
Accounting Policies [Line Items]
Tax benefit realized on settlement	50%
Maximum
Accounting Policies [Line Items]
Lease term	7 years
Intangible assets with finite lives, amortization period	20 years
Furniture, fixtures and equipment | Minimum
Accounting Policies [Line Items]
Premises and equipment, useful lives	2 years
Furniture, fixtures and equipment | Maximum
Accounting Policies [Line Items]
Premises and equipment, useful lives	15 years
Software and computer-related equipment | Minimum
Accounting Policies [Line Items]
Premises and equipment, useful lives	2 years
Software and computer-related equipment | Maximum
Accounting Policies [Line Items]
Premises and equipment, useful lives	7 years
Buildings and improvements | Minimum
Accounting Policies [Line Items]
Premises and equipment, useful lives	7 years
Buildings and improvements | Maximum
Accounting Policies [Line Items]
Premises and equipment, useful lives	39 years
Land improvements
Accounting Policies [Line Items]
Premises and equipment, useful lives	15 years

Investment Securities (Schedule

Investment Securities (Schedule of Investment Securities) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale securities
Amortized Cost	$ 3,769,634,000	$ 2,316,369,000
Gross unrealized gains	511,000	40,094,000
Gross unrealized losses	(527,128,000)	(28,670,000)
Fair Value	3,243,017,000	2,327,793,000
Held-to-maturity securities
Amortized Cost	3,641,055,000	2,942,363,000
Gross unrealized gains	477,000	10,609,000
Gross unrealized losses	(691,711,000)	(52,278,000)
Fair Value	2,949,821,000	2,900,694,000
Less: Allowance for credit losses	(488,000)	(78,000)
Held-to-maturity securities, net of allowance for credit losses	3,640,567,000	2,942,285,000
Equity securities with readily determinable fair value
Amortized Cost	115,552,000	86,989,000
Gross unrealized gains	2,935,000	5,354,000
Gross unrealized losses	(8,122,000)	(1,832,000)
Fair Value	110,365,000	90,511,000
U.S. Treasury
Available-for-sale securities
Amortized Cost	14,943,000	0
Gross unrealized gains	5,000	0
Gross unrealized losses	0	0
Fair Value	14,948,000	0
U.S. government agencies
Available-for-sale securities
Amortized Cost	80,000,000	50,158,000
Gross unrealized gains	36,000	2,349,000
Gross unrealized losses	(5,814,000)	0
Fair Value	74,222,000	52,507,000
Held-to-maturity securities
Amortized Cost	339,614,000	180,192,000
Gross unrealized gains	0	201,000
Gross unrealized losses	(75,293,000)	(3,314,000)
Fair Value	264,321,000	177,079,000
Municipal
Available-for-sale securities
Amortized Cost	173,861,000	161,618,000
Gross unrealized gains	230,000	4,193,000
Gross unrealized losses	(5,436,000)	(217,000)
Fair Value	168,655,000	165,594,000
Held-to-maturity securities
Amortized Cost	179,027,000	187,486,000
Gross unrealized gains	477,000	9,544,000
Gross unrealized losses	(4,066,000)	(223,000)
Fair Value	175,438,000	196,807,000
Corporate notes
Held-to-maturity securities
Amortized Cost	58,232,000	43,955,000
Gross unrealized gains	0	0
Gross unrealized losses	(5,348,000)	(1,119,000)
Fair Value	52,884,000	42,836,000
Financial issuers
Available-for-sale securities
Amortized Cost	93,994,000	96,878,000
Gross unrealized gains	0	418,000
Gross unrealized losses	(9,291,000)	(2,599,000)
Fair Value	84,703,000	94,697,000
Other
Available-for-sale securities
Amortized Cost	1,000,000	1,000,000
Gross unrealized gains	2,000	7,000
Gross unrealized losses	0	0
Fair Value	1,002,000	1,007,000
Mortgage-backed securities
Available-for-sale securities
Amortized Cost	3,308,494,000	1,901,005,000
Gross unrealized gains	238,000	32,830,000
Gross unrealized losses	(488,795,000)	(25,854,000)
Fair Value	2,819,937,000	1,907,981,000
Held-to-maturity securities
Amortized Cost	2,900,031,000	2,530,730,000
Gross unrealized gains	0	864,000
Gross unrealized losses	(583,682,000)	(47,622,000)
Fair Value	2,316,349,000	2,483,972,000
Collateralized mortgage obligations
Available-for-sale securities
Amortized Cost	97,342,000	105,710,000
Gross unrealized gains	0	297,000
Gross unrealized losses	(17,792,000)	0
Fair Value	79,550,000	106,007,000
Held-to-maturity securities
Amortized Cost	164,151,000	0
Gross unrealized gains	0	0
Gross unrealized losses	(23,322,000)	0
Fair Value	140,829,000	0
Mortgage-backed securities, subprime
Available-for-sale securities
Fair Value	$ 0	$ 0

Investment Securities (Narrativ

Investment Securities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Debt Securities, Available-for-sale [Line Items]
Equity securities without readily determinable fair values	$ 43,800,000	$ 37,500,000
Upward adjustments of equity securities without readily determinable fair values	0	0	$ 401,000
Downward adjustments of equity securities without readily determinable fair values	0	0	0
Impairment of equity securities without readily determinable fair values	12,158,000	2,415,000	2,995,000
Income tax (benefit) expense	190,873,000	171,645,000	96,791,000
Pledged securities	$ 2,800,000,000	2,600,000,000
Number of securities by a single non-government sponsored issuer exceeding 10% of shareholders' equity | security	0
Investment securities
Debt Securities, Available-for-sale [Line Items]
Income tax (benefit) expense	$ (5,400,000)	$ (282,000)	$ (513,000)

Investment Securities (Schedu_2

Investment Securities (Schedule of Investment Securities Portfolio Continuous Unrealized Loss Position) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	$ 1,328,178,000	$ 814,324,000
Continuous unrealized losses existing for less than 12 months, unrealized losses	(105,511,000)	(17,916,000)
Continuous unrealized losses existing for greater than 12 months, fair value	1,774,421,000	267,739,000
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(421,617,000)	(10,754,000)
Total, fair value	3,102,599,000	1,082,063,000
Total, unrealized losses	(527,128,000)	(28,670,000)
Subprime mortgage-backed available-for-sale securities	3,243,017,000	2,327,793,000
U.S. Treasury
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	0	0
Continuous unrealized losses existing for less than 12 months, unrealized losses	0	0
Continuous unrealized losses existing for greater than 12 months, fair value	0	0
Continuous unrealized losses existing for greater than 12 months, unrealized losses	0	0
Total, fair value	0	0
Total, unrealized losses	0	0
Subprime mortgage-backed available-for-sale securities	14,948,000	0
U.S. government agencies
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	36,750,000	0
Continuous unrealized losses existing for less than 12 months, unrealized losses	(3,250,000)	0
Continuous unrealized losses existing for greater than 12 months, fair value	7,436,000	0
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(2,564,000)	0
Total, fair value	44,186,000	0
Total, unrealized losses	(5,814,000)	0
Subprime mortgage-backed available-for-sale securities	74,222,000	52,507,000
Municipal
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	88,433,000	47,726,000
Continuous unrealized losses existing for less than 12 months, unrealized losses	(1,997,000)	(200,000)
Continuous unrealized losses existing for greater than 12 months, fair value	41,642,000	850,000
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(3,439,000)	(17,000)
Total, fair value	130,075,000	48,576,000
Total, unrealized losses	(5,436,000)	(217,000)
Subprime mortgage-backed available-for-sale securities	168,655,000	165,594,000
Financial issuers
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	14,420,000	23,855,000
Continuous unrealized losses existing for less than 12 months, unrealized losses	(580,000)	(1,145,000)
Continuous unrealized losses existing for greater than 12 months, fair value	70,283,000	45,539,000
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(8,711,000)	(1,454,000)
Total, fair value	84,703,000	69,394,000
Total, unrealized losses	(9,291,000)	(2,599,000)
Subprime mortgage-backed available-for-sale securities	84,703,000	94,697,000
Other
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	0	0
Continuous unrealized losses existing for less than 12 months, unrealized losses	0	0
Continuous unrealized losses existing for greater than 12 months, fair value	0	0
Continuous unrealized losses existing for greater than 12 months, unrealized losses	0	0
Total, fair value	0	0
Total, unrealized losses	0	0
Subprime mortgage-backed available-for-sale securities	1,002,000	1,007,000
Mortgage-backed securities
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	1,185,885,000	742,743,000
Continuous unrealized losses existing for less than 12 months, unrealized losses	(99,494,000)	(16,571,000)
Continuous unrealized losses existing for greater than 12 months, fair value	1,578,200,000	221,350,000
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(389,301,000)	(9,283,000)
Total, fair value	2,764,085,000	964,093,000
Total, unrealized losses	(488,795,000)	(25,854,000)
Subprime mortgage-backed available-for-sale securities	2,819,937,000	1,907,981,000
Collateralized mortgage obligations
Available-for-sale securities
Continuous unrealized losses existing for less than 12 months, fair value	2,690,000	0
Continuous unrealized losses existing for less than 12 months, unrealized losses	(190,000)	0
Continuous unrealized losses existing for greater than 12 months, fair value	76,860,000	0
Continuous unrealized losses existing for greater than 12 months, unrealized losses	(17,602,000)	0
Total, fair value	79,550,000	0
Total, unrealized losses	(17,792,000)	0
Mortgage-backed securities, subprime
Available-for-sale securities
Subprime mortgage-backed available-for-sale securities	$ 0	$ 0

Investment Securities (Schedu_3

Investment Securities (Schedule of Available-for-Sale Investment Securities Gross Gains and Gross Losses Realized) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Realized gains on investment securities	$ 461,000	$ 1,252,000	$ 751,000
Realized losses on investment securities	(22,000)	(173,000)	(530,000)
Net realized gains on investment securities	439,000	1,079,000	221,000
Unrealized gains on equity securities with readily determinable fair value	1,154,000	2,688,000	4,265,000
Unrealized losses on equity securities with readily determinable fair value	(9,862,000)	(2,411,000)	(3,818,000)
Net unrealized (losses) gains on equity securities with readily determinable fair value	(8,708,000)	277,000	447,000
Upward adjustments of equity securities without readily determinable fair values	0	0	401,000
Downward adjustments of equity securities without readily determinable fair values	0	0	0
Impairment of equity securities without readily determinable fair values	(12,158,000)	(2,415,000)	(2,995,000)
Adjustment and impairment, net, of equity securities without readily determinable fair values	(12,158,000)	(2,415,000)	(2,594,000)
Losses on investment securities, net	(20,427,000)	(1,059,000)	(1,926,000)
Proceeds from sales of available-for-sale securities	0	192,227,000	502,250,000
Proceeds from sales of equity securities with readily determinable fair value	31,753,000	9,759,000	6,530,000
Proceeds from sales and capital distributions of equity securities without readily determinable fair value	$ 1,330,000	$ 2,685,000	$ 1,857,000

Investment Securities (Contract

Investment Securities (Contractual Maturities of Investment Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale securities
Due in one year or less, amortized cost	$ 119,830	$ 49,714
Due in one to five years, amortized cost	63,644	72,382
Due in five to ten years, amortized cost	115,734	118,358
Due after ten years, amortized cost	64,590	69,200
Amortized Cost	3,769,634	2,316,369
Due in one year or less, fair value	119,275	49,822
Due in one to five years, fair value	61,701	73,850
Due in five to ten years, fair value	105,076	117,573
Due after ten years, fair value	57,478	72,560
Fair Value	3,243,017	2,327,793
Held-to-maturity securities
Held-to-maturity securities, due in one year or less, amortized cost	1,340	2,976
Held-to-maturity securities, due in one to five years, amortized cost	94,705	79,422
Held-to-maturity securities, due in five to ten years, amortized cost	115,318	106,713
Held-to-maturity securities, due after ten years, amortized cost	365,510	222,522
Amortized Cost	3,641,055	2,942,363
Less: Allowance for credit losses	(488)	(78)
Held-to-maturity securities, net of allowance for credit losses	3,640,567	2,942,285
Held-to-maturity securities, due in one year or less, fair value	1,332	2,992
Held-to-maturity securities, due in one to five years, fair value	89,093	79,705
Held-to-maturity securities, due in five to ten years, fair value	113,758	112,667
Held-to-maturity securities, due after ten years, fair value	288,460	221,358
Fair Value	2,949,821	2,900,694
Mortgage-backed
Available-for-sale securities
Mortgage-backed, without single maturity date, amortized cost	3,405,836	2,006,715
Mortgage-backed, without single maturity date, fair value	2,899,487	2,013,988
Held-to-maturity securities
Mortgage-backed, amortized cost	3,064,182	2,530,730
Mortgage-backed, fair value	$ 2,457,178	$ 2,483,972

Loans (Summary of Loan Portfoli

Loans (Summary of Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans [Line Items]
Total loans, net of unearned income	$ 39,196,485	$ 34,789,104
Total loans, net of unearned income, percentage	100%	100%
Commercial
Loans [Line Items]
Total loans, net of unearned income	$ 12,549,164	$ 11,904,068
Total loans, net of unearned income, percentage	32%	34%
Commercial real estate
Loans [Line Items]
Total loans, net of unearned income	$ 9,950,947	$ 8,990,286
Total loans, net of unearned income, percentage	25%	26%
Home equity
Loans [Line Items]
Total loans, net of unearned income	$ 332,698	$ 335,155
Total loans, net of unearned income, percentage	1%	1%
Residential real estate
Loans [Line Items]
Total loans, net of unearned income	$ 2,372,383	$ 1,637,099
Total loans, net of unearned income, percentage	6%	5%
Premium finance receivables | Property & casualty
Loans [Line Items]
Total loans, net of unearned income	$ 5,849,459	$ 4,855,487
Total loans, net of unearned income, percentage	15%	14%
Premium finance receivables | Life insurance
Loans [Line Items]
Total loans, net of unearned income	$ 8,090,998	$ 7,042,810
Total loans, net of unearned income, percentage	21%	20%
Consumer and other
Loans [Line Items]
Total loans, net of unearned income	$ 50,836	$ 24,199
Total loans, net of unearned income, percentage	0%	0%

Loans (Narrative) (Details)

Loans (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans [Line Items]
Net deferred loan fees and costs and fair value purchase accounting adjustments	$ 71,800	$ 50,800
Outstanding borrowings from FHLB	2,316,071	1,241,071
Federal Agency Borrowings
Loans [Line Items]
Loans pledged as collateral	8,200,000	8,000,000
Federal Home Loan Bank Advances
Loans [Line Items]
Loans pledged as collateral	7,800,000
Federal Reserve Bank Advances
Loans [Line Items]
Loans pledged as collateral	409,100
Premium finance receivables
Loans [Line Items]
Unearned income portions of premium finance receivables	$ 224,500	$ 135,500

Allowance for Credit Losses (Sc

Allowance for Credit Losses (Schedule of Aging of the Company's Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Nonaccrual	$ 98,379	$ 67,069
Loans, net of unearned income	39,196,485	34,789,104
Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Past Due [Line Items]
Nonaccrual	31,279	0
Loans, net of unearned income	164,788	30,828
Commercial
Financing Receivable, Past Due [Line Items]
Nonaccrual	35,579	20,399
Loans, net of unearned income	12,549,164	11,904,068
Commercial real estate
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	9,950,947	8,990,286
Commercial real estate | Construction and development
Financing Receivable, Past Due [Line Items]
Nonaccrual	416	1,377
Loans, net of unearned income	1,486,930	1,356,204
Commercial real estate | Non-construction
Financing Receivable, Past Due [Line Items]
Nonaccrual	5,971	20,369
Loans, net of unearned income	8,464,017	7,634,082
Home equity
Financing Receivable, Past Due [Line Items]
Nonaccrual	1,487	2,574
Loans, net of unearned income	332,698	335,155
Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	2,372,383	1,637,099
Residential real estate loans, excluding early buy-out loans | Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Nonaccrual	10,171	16,440
Loans, net of unearned income	2,207,595	1,606,271
Premium finance receivables | Property & casualty insurance loans
Financing Receivable, Past Due [Line Items]
Nonaccrual	13,470	5,433
Loans, net of unearned income	5,849,459	4,855,487
Premium finance receivables | Life insurance loans
Financing Receivable, Past Due [Line Items]
Nonaccrual	0	0
Loans, net of unearned income	8,090,998	7,042,810
Consumer and other
Financing Receivable, Past Due [Line Items]
Nonaccrual	6	477
Loans, net of unearned income	50,836	24,199
Total loans, net of unearned income, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Nonaccrual	67,100	67,069
Loans, net of unearned income	39,031,697	34,758,276
90+ days and still accruing
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	81,047	7,369
90+ days and still accruing | Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	47,450	0
90+ days and still accruing | Commercial
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	462	15
90+ days and still accruing | Commercial real estate | Construction and development
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	0	0
90+ days and still accruing | Commercial real estate | Non-construction
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	0	0
90+ days and still accruing | Home equity
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	0	0
90+ days and still accruing | Residential real estate loans, excluding early buy-out loans | Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	0	0
90+ days and still accruing | Premium finance receivables | Property & casualty insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	15,841	7,210
90+ days and still accruing | Premium finance receivables | Life insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	17,245	7
90+ days and still accruing | Consumer and other
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	49	137
90+ days and still accruing | Total loans, net of unearned income, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	33,597	7,369
60-89 days past due
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	48,924	53,666
60-89 days past due | Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	984	0
60-89 days past due | Commercial
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	21,128	24,262
60-89 days past due | Commercial real estate | Construction and development
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	361	0
60-89 days past due | Commercial real estate | Non-construction
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	1,883	284
60-89 days past due | Home equity
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	0	0
60-89 days past due | Residential real estate loans, excluding early buy-out loans | Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	4,364	982
60-89 days past due | Premium finance receivables | Property & casualty insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	14,926	15,490
60-89 days past due | Premium finance receivables | Life insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	5,260	12,614
60-89 days past due | Consumer and other
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	18	34
60-89 days past due | Total loans, net of unearned income, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	47,940	53,666
30-59 days past due
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	210,595	187,423
30-59 days past due | Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	1,584	275
30-59 days past due | Commercial
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	56,696	43,861
30-59 days past due | Commercial real estate | Construction and development
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	14,390	2,809
30-59 days past due | Commercial real estate | Non-construction
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	16,285	37,634
30-59 days past due | Home equity
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	2,152	1,120
30-59 days past due | Residential real estate loans, excluding early buy-out loans | Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	9,982	12,145
30-59 days past due | Premium finance receivables | Property & casualty insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	40,557	22,419
30-59 days past due | Premium finance receivables | Life insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	68,725	66,651
30-59 days past due | Consumer and other
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	224	509
30-59 days past due | Total loans, net of unearned income, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	209,011	187,148
Current
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	38,757,540	34,473,577
Current | Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	83,491	30,553
Current | Commercial
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	12,435,299	11,815,531
Current | Commercial real estate | Construction and development
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	1,471,763	1,352,018
Current | Commercial real estate | Non-construction
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	8,439,878	7,575,795
Current | Home equity
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	329,059	331,461
Current | Residential real estate loans, excluding early buy-out loans | Residential real estate loans, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	2,183,078	1,576,704
Current | Premium finance receivables | Property & casualty insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	5,764,665	4,804,935
Current | Premium finance receivables | Life insurance loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	7,999,768	6,963,538
Current | Consumer and other
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	50,539	23,042
Current | Total loans, net of unearned income, excluding early buy-out loans
Financing Receivable, Past Due [Line Items]
Loans, net of unearned income	$ 38,674,049	$ 34,443,024

Allowance for Credit Losses (Lo

Allowance for Credit Losses (Loan Portfolio by Credit Quality Indicator) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
2022	$ 12,179,209
2021	6,132,815
2020	3,744,770
2019	2,807,417
2018	2,001,722
Prior	7,592,801
Revolving	4,672,976
Revolving to Term	64,775
Total Loans	39,196,485	$ 34,789,104
Commercial, industrial and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,761,735
2021	2,433,733
2020	1,103,489
2019	701,788
2018	503,047
Prior	869,920
Revolving	4,131,511
Revolving to Term	43,941
Total Loans	12,549,164
Construction and development
Financing Receivable, Credit Quality Indicator [Line Items]
2022	415,454
2021	470,679
2020	283,869
2019	148,130
2018	53,469
Prior	103,329
Revolving	12,000
Revolving to Term	0
Total Loans	1,486,930
Non-construction
Financing Receivable, Credit Quality Indicator [Line Items]
2022	1,913,542
2021	1,543,368
2020	1,052,539
2019	877,773
2018	644,796
Prior	2,231,113
Revolving	181,096
Revolving to Term	19,790
Total Loans	8,464,017
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2022	198
2021	1
2020	118
2019	74
2018	255
Prior	15,217
Revolving	315,791
Revolving to Term	1,044
Total Loans	332,698	335,155
Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	792,501
2021	840,690
2020	242,347
2019	146,185
2018	73,004
Prior	277,656
Revolving	0
Revolving to Term	0
Total Loans	2,372,383	1,637,099
Premium finance receivables - property & casualty
Financing Receivable, Credit Quality Indicator [Line Items]
2022	5,782,156
2021	58,687
2020	6,909
2019	1,707
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	5,849,459
Premium finance receivables - life
Financing Receivable, Credit Quality Indicator [Line Items]
2022	510,675
2021	784,056
2020	1,055,247
2019	931,276
2018	726,763
Prior	4,082,981
Revolving	0
Revolving to Term	0
Total Loans	8,090,998
Consumer and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,948
2021	1,601
2020	252
2019	484
2018	388
Prior	12,585
Revolving	32,578
Revolving to Term	0
Total Loans	50,836	$ 24,199
Early buy-out loans guaranteed by U.S. government agencies
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	901
2020	9,424
2019	21,662
2018	19,700
Prior	113,101
Revolving	0
Revolving to Term	0
Total Loans	164,788
Early buy-out loans guaranteed by U.S. government agencies | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	901
2020	9,424
2019	21,662
2018	19,700
Prior	113,101
Revolving	0
Revolving to Term	0
Total Loans	164,788
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2022	12,046,682
2021	5,986,991
2020	3,662,460
2019	2,661,645
2018	1,863,618
Prior	7,336,246
Revolving	4,537,246
Revolving to Term	62,489
Total Loans	38,157,377
Pass | Commercial, industrial and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,740,821
2021	2,314,421
2020	1,064,680
2019	631,670
2018	460,898
Prior	847,955
Revolving	3,999,401
Revolving to Term	42,699
Total Loans	12,102,545
Pass | Construction and development
Financing Receivable, Credit Quality Indicator [Line Items]
2022	413,322
2021	470,162
2020	261,173
2019	124,818
2018	36,591
Prior	90,294
Revolving	12,000
Revolving to Term	0
Total Loans	1,408,360
Pass | Non-construction
Financing Receivable, Credit Quality Indicator [Line Items]
2022	1,908,428
2021	1,530,812
2020	1,045,330
2019	851,041
2018	589,268
Prior	2,149,357
Revolving	181,096
Revolving to Term	19,790
Total Loans	8,275,122
Pass | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2022	198
2021	0
2020	0
2019	56
2018	0
Prior	5,445
Revolving	312,183
Revolving to Term	0
Total Loans	317,882
Pass | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	787,652
2021	835,672
2020	228,945
2019	120,596
2018	49,710
Prior	150,024
Revolving	0
Revolving to Term	0
Total Loans	2,172,599
Pass | Premium finance receivables - property & casualty
Financing Receivable, Credit Quality Indicator [Line Items]
2022	5,682,665
2021	55,275
2020	6,833
2019	1,707
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	5,746,480
Pass | Premium finance receivables - life
Financing Receivable, Credit Quality Indicator [Line Items]
2022	510,675
2021	779,057
2020	1,055,247
2019	931,276
2018	726,763
Prior	4,080,764
Revolving	0
Revolving to Term	0
Total Loans	8,083,782
Pass | Consumer and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,921
2021	1,592
2020	252
2019	481
2018	388
Prior	12,407
Revolving	32,566
Revolving to Term	0
Total Loans	50,607
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	100,155
2021	91,520
2020	33,122
2019	70,675
2018	87,653
Prior	67,880
Revolving	88,414
Revolving to Term	1,380
Total Loans	540,799
Special mention | Commercial, industrial and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	6,780
2021	71,263
2020	10,279
2019	27,533
2018	36,874
Prior	17,972
Revolving	85,813
Revolving to Term	1,232
Total Loans	257,746
Special mention | Construction and development
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	517
2020	14,341
2019	23,312
2018	16,778
Prior	82
Revolving	0
Revolving to Term	0
Total Loans	55,030
Special mention | Non-construction
Financing Receivable, Credit Quality Indicator [Line Items]
2022	5,114
2021	12,556
2020	6,377
2019	18,225
2018	31,849
Prior	41,236
Revolving	0
Revolving to Term	0
Total Loans	115,357
Special mention | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	1
2020	0
2019	0
2018	255
Prior	991
Revolving	2,598
Revolving to Term	148
Total Loans	3,993
Special mention | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	3,523
2021	1,720
2020	2,100
2019	1,602
2018	1,897
Prior	5,247
Revolving	0
Revolving to Term	0
Total Loans	16,089
Special mention | Premium finance receivables - property & casualty
Financing Receivable, Credit Quality Indicator [Line Items]
2022	84,728
2021	462
2020	25
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	85,215
Special mention | Premium finance receivables - life
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	4,999
2020	0
2019	0
2018	0
Prior	2,217
Revolving	0
Revolving to Term	0
Total Loans	7,216
Special mention | Consumer and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	10
2021	2
2020	0
2019	3
2018	0
Prior	135
Revolving	3
Revolving to Term	0
Total Loans	153
Substandard accrual
Financing Receivable, Credit Quality Indicator [Line Items]
2022	20,888
2021	44,402
2020	36,550
2019	25,760
2018	28,936
Prior	61,763
Revolving	47,216
Revolving to Term	906
Total Loans	266,421
Substandard accrual | Commercial, industrial and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	13,560
2021	42,091
2020	26,252
2019	17,104
2018	5,078
Prior	2,902
Revolving	46,297
Revolving to Term	10
Total Loans	153,294
Substandard accrual | Construction and development
Financing Receivable, Credit Quality Indicator [Line Items]
2022	2,132
2021	0
2020	8,355
2019	0
2018	100
Prior	12,537
Revolving	0
Revolving to Term	0
Total Loans	23,124
Substandard accrual | Non-construction
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	832
2019	8,507
2018	23,330
Prior	34,898
Revolving	0
Revolving to Term	0
Total Loans	67,567
Substandard accrual | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	7,530
Revolving	910
Revolving to Term	896
Total Loans	9,336
Substandard accrual | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	1,214
2021	1,981
2020	1,111
2019	149
2018	428
Prior	3,853
Revolving	0
Revolving to Term	0
Total Loans	8,736
Substandard accrual | Premium finance receivables - property & casualty
Financing Receivable, Credit Quality Indicator [Line Items]
2022	3,965
2021	329
2020	0
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	4,294
Substandard accrual | Premium finance receivables - life
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	0
Substandard accrual | Consumer and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	17
2021	1
2020	0
2019	0
2018	0
Prior	43
Revolving	9
Revolving to Term	0
Total Loans	70
Substandard nonaccrual/doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	11,484
2021	9,001
2020	3,214
2019	27,675
2018	1,815
Prior	13,811
Revolving	100
Revolving to Term	0
Total Loans	67,100
Substandard nonaccrual/doubtful | Commercial, industrial and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	574
2021	5,958
2020	2,278
2019	25,481
2018	197
Prior	1,091
Revolving	0
Revolving to Term	0
Total Loans	35,579
Substandard nonaccrual/doubtful | Construction and development
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	416
Revolving	0
Revolving to Term	0
Total Loans	416
Substandard nonaccrual/doubtful | Non-construction
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	349
Prior	5,622
Revolving	0
Revolving to Term	0
Total Loans	5,971
Substandard nonaccrual/doubtful | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	118
2019	18
2018	0
Prior	1,251
Revolving	100
Revolving to Term	0
Total Loans	1,487
Substandard nonaccrual/doubtful | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	112
2021	416
2020	767
2019	2,176
2018	1,269
Prior	5,431
Revolving	0
Revolving to Term	0
Total Loans	10,171
Substandard nonaccrual/doubtful | Premium finance receivables - property & casualty
Financing Receivable, Credit Quality Indicator [Line Items]
2022	10,798
2021	2,621
2020	51
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	13,470
Substandard nonaccrual/doubtful | Premium finance receivables - life
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	0
Substandard nonaccrual/doubtful | Consumer and other
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0
2021	6
2020	0
2019	0
2018	0
Prior	0
Revolving	0
Revolving to Term	0
Total Loans	$ 6

Allowance for Credit Losses (He

Allowance for Credit Losses (Held-to-Maturity Debt Securities by Credit Quality Indication) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Amortized Cost	$ 3,641,055	$ 2,942,363
Less: Allowance for credit losses	(488)	(78)
Held-to-maturity securities, net of allowance for credit losses	3,640,567	2,942,285
U.S. government agencies
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	160,000
2021	147,802
2020	25,000
2019	4,000
2018	0
Prior	2,812
Amortized Cost	339,614	180,192
U.S. government agencies | 1-4 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	160,000
2021	147,802
2020	25,000
2019	4,000
2018	0
Prior	2,812
Amortized Cost	339,614
U.S. government agencies | 5-7 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
U.S. government agencies | 8-10 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Municipal
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	1,045
2021	7,001
2020	269
2019	159
2018	7,401
Prior	163,153
Amortized Cost	179,027	$ 187,486
Municipal | 1-4 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	1,045
2021	7,001
2020	269
2019	159
2018	7,401
Prior	163,153
Amortized Cost	179,027
Municipal | 5-7 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Municipal | 8-10 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Mortgage-backed securities
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	616,478
2021	2,447,704
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	3,064,182
Mortgage-backed securities | 1-4 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	616,478
2021	2,447,704
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	3,064,182
Mortgage-backed securities | 5-7 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Mortgage-backed securities | 8-10 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Corporate notes
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	14,963
2021	0
2020	6,010
2019	7,312
2018	3,182
Prior	26,765
Amortized Cost	58,232
Corporate notes | 1-4 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	14,963
2021	0
2020	6,010
2019	7,312
2018	3,182
Prior	26,765
Amortized Cost	58,232
Corporate notes | 5-7 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	0
Corporate notes | 8-10 internal grade
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Amortized Cost	$ 0

Allowance for Credit Losses (Co

Allowance for Credit Losses (Components of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses and unfunded lending-related commitments losses	$ 357,448	$ 299,653	$ 379,910
Allowance for held-to-maturity securities losses	488	78
Allowance for credit losses	357,936	299,731
Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses and unfunded lending-related commitments losses	270,173	247,835
Unfunded lending-related commitments
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses and unfunded lending-related commitments losses	87,275	51,818
Loans and unfunded lending-related commitments
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses and unfunded lending-related commitments losses	$ 357,448	$ 299,653

Allowance for Credit Losses (Na

Allowance for Credit Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Financing Receivable, Allowance for Credit Loss [Line Items]
Accrued interest related to financial assets held at amortized cost	$ 214,000,000	$ 117,400,000
Financial Asset, Amortized Cost, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable and Other Assets	Interest Receivable and Other Assets
Nonaccrual loans with no related allowance for credit losses	$ 21,100,000
Loans reasonably expected to be modified into TDRs	0
Provision for (reversal of) credit losses	78,179,000	$ (59,280,000)
Loan net charge-offs	20,300,000
Provision for credit losses	$ 410,000	$ 17,000
TDRs, count | contract	40	64	124
Foreclosed residential real estate properties	$ 1,600,000
TDRs, balance	$ 13,377,000	$ 13,869,000	$ 45,872,000
Weighted average extension term	69 months	83 months	14 months
Weighted average decrease in stated interest rate	0.88%	1.37%	1.29%
Interest-only payment terms	8 months	3 months	12 months
Loan forgiveness	$ 0	$ 0	$ 453,000
Financing Receivable
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans modified in TDRs	$ 41,100,000
TDRs, count | contract	191
Allowance for loan losses related to impaired loans	$ 871,000,000
Financing Receivable | Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded investment, foreclosure proceedings in process	$ 59,500,000	$ 9,600,000

Allowance for Credit Losses (Su

Allowance for Credit Losses (Summary of Activity in the Allowance for Credit Losses by Loan Portfolio) (Details) - USD ($) $ in Thousands		12 Months Ended
	Nov. 15, 2021	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		$ 299,653	$ 379,910
Other adjustments		(108)	3
Charge-offs		(31,779)	(35,019)
Recoveries		11,503	13,569
Provision for credit losses		78,179	(59,280)
Allowance for credit losses at period end		357,448	299,653
Individually evaluated for impairment		6,799	8,552
Collectively evaluated for impairment		350,649	291,101
Loans at period end, individually evaluated for impairment		90,197	93,270
Loans at period end, collectively evaluated for impairment		38,926,356	34,657,236
Loans held-for-investment		179,932	38,598
Allstate Corporation Loan Portfolio
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			470
Allowance for credit losses	$ 2,800
Allowance for credit losses, amounts charged-off	$ 2,300
Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			470
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		119,307	94,212
Other adjustments		0	0
Charge-offs		(14,141)	(20,801)
Recoveries		4,748	2,559
Provision for credit losses		32,855	42,867
Allowance for credit losses at period end		142,769	119,307
Individually evaluated for impairment		5,973	5,196
Collectively evaluated for impairment		136,796	114,111
Loans at period end, individually evaluated for impairment		38,042	24,530
Loans at period end, collectively evaluated for impairment		12,511,122	11,879,538
Loans held-for-investment		0	0
Commercial | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			470
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		144,583	243,603
Other adjustments		0	0
Charge-offs		(1,379)	(3,293)
Recoveries		701	1,304
Provision for credit losses		40,447	(97,031)
Allowance for credit losses at period end		184,352	144,583
Individually evaluated for impairment		61	2,237
Collectively evaluated for impairment		184,291	142,346
Loans at period end, individually evaluated for impairment		21,435	30,167
Loans at period end, collectively evaluated for impairment		9,929,512	8,960,119
Loans held-for-investment		0	0
Commercial Real Estate | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			0
Home Equity
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		10,699	11,437
Other adjustments		0	0
Charge-offs		(432)	(336)
Recoveries		319	1,203
Provision for credit losses		(3,013)	(1,605)
Allowance for credit losses at period end		7,573	10,699
Individually evaluated for impairment		50	192
Collectively evaluated for impairment		7,523	10,507
Loans at period end, individually evaluated for impairment		10,351	14,656
Loans at period end, collectively evaluated for impairment		322,347	320,499
Loans held-for-investment		0	0
Home Equity | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			0
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		8,782	12,459
Other adjustments		0	0
Charge-offs		(471)	(1,082)
Recoveries		77	330
Provision for credit losses		3,197	(2,925)
Allowance for credit losses at period end		11,585	8,782
Individually evaluated for impairment		715	899
Collectively evaluated for impairment		10,870	7,883
Loans at period end, individually evaluated for impairment		20,300	23,306
Loans at period end, collectively evaluated for impairment		2,172,151	1,575,195
Loans held-for-investment		179,932	38,598
Residential Real Estate | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			0
Premium Finance Receivable
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		15,859	17,777
Other adjustments		(108)	3
Charge-offs		(14,275)	(9,020)
Recoveries		5,522	7,989
Provision for credit losses		3,673	(890)
Allowance for credit losses at period end		10,671	15,859
Individually evaluated for impairment		0	0
Collectively evaluated for impairment		10,671	15,859
Loans at period end, individually evaluated for impairment		0	0
Loans at period end, collectively evaluated for impairment		13,940,457	11,898,297
Loans held-for-investment		0	0
Premium Finance Receivable | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			0
Consumer and other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses at beginning of period		423	422
Other adjustments		0	0
Charge-offs		(1,081)	(487)
Recoveries		136	184
Provision for credit losses		1,020	304
Allowance for credit losses at period end		498	423
Individually evaluated for impairment		0	28
Collectively evaluated for impairment		498	395
Loans at period end, individually evaluated for impairment		69	611
Loans at period end, collectively evaluated for impairment		50,767	23,588
Loans held-for-investment		$ 0	0
Consumer and other | Allstate Corporation Loan Portfolio | Loans acquired with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Initial allowance for credit losses recognized on PCD assets acquired during period			$ 0

Allowance for Credit Losses (_2

Allowance for Credit Losses (Summary of the Post-Modification Balance of Loans Restructured) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	40	64	124
TDRs, balance | $	$ 13,377	$ 13,869	$ 45,872
Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	36	51	102
TDRs, balance | $	$ 5,558	$ 8,931	$ 36,467
Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	22	20	42
TDRs, balance | $	$ 4,265	$ 5,079	$ 7,721
Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	5	10	15
TDRs, balance | $	$ 9,081	$ 4,340	$ 10,479
Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	1
TDRs, balance | $	$ 0	$ 0	$ 432
Commercial real estate | Non-construction
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	3	5	18
TDRs, balance | $	$ 8,833	$ 2,944	$ 19,281
Commercial real estate | Non-construction | Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	1	4	15
TDRs, balance | $	$ 1,178	$ 2,401	$ 14,657
Commercial real estate | Non-construction | Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	1	2	3
TDRs, balance | $	$ 1,178	$ 656	$ 921
Commercial real estate | Non-construction | Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	3	1	8
TDRs, balance | $	$ 8,833	$ 113	$ 5,853
Commercial real estate | Non-construction | Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	0
TDRs, balance | $	$ 0	$ 0	$ 0
Residential real estate and other
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	32	43	85
TDRs, balance | $	$ 4,076	$ 5,851	$ 14,229
Residential real estate and other | Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	31	40	70
TDRs, balance | $	$ 4,075	$ 5,683	$ 13,721
Residential real estate and other | Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	20	17	38
TDRs, balance | $	$ 3,002	$ 4,123	$ 5,809
Residential real estate and other | Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	9	1
TDRs, balance | $	$ 0	$ 4,227	$ 190
Residential real estate and other | Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	0
TDRs, balance | $	$ 0	$ 0	$ 0

Allowance for Credit Losses (_3

Allowance for Credit Losses (Summary of Loans Restructured and Subsequently Defaulted Under the Restructured Terms) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	40	64	124
TDRs, balance | $	$ 13,377	$ 13,869	$ 45,872
Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	36	51	102
TDRs, balance | $	$ 5,558	$ 8,931	$ 36,467
Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	22	20	42
TDRs, balance | $	$ 4,265	$ 5,079	$ 7,721
Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	5	10	15
TDRs, balance | $	$ 9,081	$ 4,340	$ 10,479
Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	1
TDRs, balance | $	$ 0	$ 0	$ 432
Payments in Default
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	5	6	27
TDRs, balance | $	$ 709	$ 2,591	$ 19,218
Commercial, industrial and other | Commercial, industrial and other
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	5	16	21
TDRs, balance | $	$ 468	$ 5,074	$ 12,362
Commercial, industrial and other | Commercial, industrial and other | Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	4	7	17
TDRs, balance | $	$ 305	$ 847	$ 8,089
Commercial, industrial and other | Commercial, industrial and other | Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	1	1	1
TDRs, balance | $	$ 85	$ 300	$ 991
Commercial, industrial and other | Commercial, industrial and other | Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	2	0	6
TDRs, balance | $	$ 248	$ 0	$ 4,436
Commercial, industrial and other | Commercial, industrial and other | Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	1
TDRs, balance | $	$ 0	$ 0	$ 432
Commercial, industrial and other | Commercial, industrial and other | Payments in Default
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	2	1	7
TDRs, balance | $	$ 185	$ 199	$ 4,041
Commercial real estate | Non-construction
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	3	5	18
TDRs, balance | $	$ 8,833	$ 2,944	$ 19,281
Commercial real estate | Non-construction | Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	1	4	15
TDRs, balance | $	$ 1,178	$ 2,401	$ 14,657
Commercial real estate | Non-construction | Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	1	2	3
TDRs, balance | $	$ 1,178	$ 656	$ 921
Commercial real estate | Non-construction | Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	3	1	8
TDRs, balance | $	$ 8,833	$ 113	$ 5,853
Commercial real estate | Non-construction | Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	0
TDRs, balance | $	$ 0	$ 0	$ 0
Commercial real estate | Non-construction | Payments in Default
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	3	12
TDRs, balance | $	$ 0	$ 2,276	$ 14,343
Residential real estate and other
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	32	43	85
TDRs, balance | $	$ 4,076	$ 5,851	$ 14,229
Residential real estate and other | Extension at Below Market Terms
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	31	40	70
TDRs, balance | $	$ 4,075	$ 5,683	$ 13,721
Residential real estate and other | Reduction of Interest Rate
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	20	17	38
TDRs, balance | $	$ 3,002	$ 4,123	$ 5,809
Residential real estate and other | Modification To Interest-only Payments
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	9	1
TDRs, balance | $	$ 0	$ 4,227	$ 190
Residential real estate and other | Forgiveness of Debt
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	0	0	0
TDRs, balance | $	$ 0	$ 0	$ 0
Residential real estate and other | Payments in Default
Financing Receivables, Modifications [Line Items]
TDRs, count | contract	3	2	8
TDRs, balance | $	$ 524	$ 116	$ 834

Mortgage Servicing Rights ("M_3

Mortgage Servicing Rights ("MSRs") (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value at beginning of year	$ 147,571	$ 92,081	$ 85,638
Additions from loans sold with servicing retained	46,221	72,754	71,077
Estimate of changes in fair value due to:
Early buyout options (“EBO”) exercised	(176)	(749)	(1,291)
Payoffs and paydowns	(23,455)	(34,788)	(32,579)
Changes in valuation inputs or assumptions	60,064	18,273	(30,764)
Fair value at end of year	230,225	147,571	92,081
Unpaid principal balance of mortgage loans serviced for others	$ 14,052,596	$ 13,126,254	$ 10,833,135

Business Combinations (Details)

Business Combinations (Details) $ in Thousands		12 Months Ended
	Nov. 15, 2021 USD ($) loan	Dec. 31, 2022 USD ($)
Business Acquisition [Line Items]
Goodwill recorded on acquisition		$ 0
Allstate Corporation Loan Portfolio
Business Acquisition [Line Items]
Loans purchased	$ 581,600
Number of loans purchased | loan	1,800
Goodwill recorded on acquisition	$ 9,300

Goodwill and Other Acquisitio_3

Goodwill and Other Acquisition-Related Intangible Assets (Goodwill Assets by Business Segment) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Goodwill [Roll Forward]
Beginning balance	$ 655,149
Goodwill Acquired	0
Impairment Loss	0
Goodwill Adjustments	(1,625)
Ending balance	653,524
Community banking
Goodwill [Roll Forward]
Beginning balance	545,671
Goodwill Acquired	0
Impairment Loss	0
Goodwill Adjustments	0
Ending balance	545,671
Specialty finance
Goodwill [Roll Forward]
Beginning balance	40,105
Goodwill Acquired	0
Impairment Loss	0
Goodwill Adjustments	(1,625)
Ending balance	38,480
Wealth management
Goodwill [Roll Forward]
Beginning balance	69,373
Goodwill Acquired	0
Impairment Loss	0
Goodwill Adjustments	0
Ending balance	$ 69,373

Goodwill and Other Acquisitio_4

Goodwill and Other Acquisition-Related Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Goodwill [Line Items]
Amortization of other acquisition-related intangible assets	$ 6,116	$ 7,734	$ 11,018
Specialty finance
Goodwill [Line Items]
Goodwill increase (decrease) for foreign currency translation adjustments	$ (1,600)
Specialty finance | Customer list intangibles
Goodwill [Line Items]
Amortization period in years, other intangible assets	18 years
Community banking | Core deposit intangibles
Goodwill [Line Items]
Amortization period in years, other intangible assets	10 years
Wealth management | Customer list and other intangibles
Goodwill [Line Items]
Amortization period in years, other intangible assets	10 years

Goodwill and Other Acquisitio_5

Goodwill and Other Acquisition-Related Intangible Assets (Summary of Intangible Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets, Net [Abstract]
Accumulated amortization	$ (61,212)	$ (55,096)
Indefinite-lived Intangible Assets (Excluding Goodwill) [Abstract]
Gross carrying amount	83,398	83,403
Total net carrying amount	22,186	28,307
Community banking
Indefinite-lived Intangible Assets (Excluding Goodwill) [Abstract]
Total net carrying amount	18,505	22,939
Community banking | Trademarks
Indefinite-lived Intangible Assets (Excluding Goodwill) [Abstract]
Carrying amount	5,800	5,800
Community banking | Core deposit intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Gross carrying amount	55,206	55,206
Accumulated amortization	(42,501)	(38,067)
Net carrying amount	12,705	17,139
Specialty finance | Customer list intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Gross carrying amount	1,962	1,967
Accumulated amortization	(1,785)	(1,721)
Net carrying amount	177	246
Wealth management | Customer list and other intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Gross carrying amount	20,430	20,430
Accumulated amortization	(16,926)	(15,308)
Net carrying amount	$ 3,504	$ 5,122

Goodwill and Other Acquisitio_6

Goodwill and Other Acquisition-Related Intangible Assets (Estimated Amortization) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2023	$ 4,658
2024	3,259
2025	2,552
2026	1,954
2027	$ 1,449

Premises, Software and Equipm_3

Premises, Software and Equipment, Net (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 1,176,560	$ 1,182,793
Less: Accumulated depreciation and amortization	411,762	416,388
Total premises, software, and equipment, net	764,798	766,405
Depreciation and amortization expense	53,100	54,000	$ 46,400
Land
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	166,707	168,057
Buildings and leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	674,887	667,680
Furniture, equipment and computer software
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	307,468	329,314
Construction in progress
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 27,498	$ 17,742

Deposits (Summary of Deposits)

Deposits (Summary of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Balance:
Non-interest-bearing	$ 12,668,160	$ 14,179,980
NOW and interest-bearing demand deposits	5,591,986	4,646,944
Wealth management deposits	2,463,833	2,612,759
Money market	12,886,795	12,840,432
Savings	4,556,635	3,846,681
Time certificates of deposit	4,735,135	3,968,789
Total deposits	$ 42,902,544	$ 42,095,585
Mix:
Non-interest bearing	30%	34%
NOW and interest-bearing demand deposits	13%	11%
Wealth management deposits	5%	6%
Money market	30%	31%
Savings	11%	9%
Time certificates of deposit	11%	9%
Total deposits	100%	100%

Deposits (Schedule of Maturitie

Deposits (Schedule of Maturities of Time Certificates of Deposit) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Due within one year	$ 3,627,816	$ 2,810,669
Due in one to two years	887,886	899,765
Due in two to three years	193,581	225,733
Due in three to four years	13,431	18,081
Due in four to five years	12,319	14,286
Due after five years	102	255
Total time certificate of deposits	$ 4,735,135	$ 3,968,789

Deposits (Schedule of Maturit_2

Deposits (Schedule of Maturities of Uninsured Deposits Exceeding Two Hundred And Fifty Thousand Dollars FEDIC Insurance Limit) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Contractual Maturities, Time Deposits, $100,000 or More [Abstract]
Maturing within three months	$ 518,457	$ 140,250
After three but within six months	421,242	100,324
After six but within 12 months	232,120	137,400
After 12 months	165,353	173,527
Total	1,337,172	551,501
Time deposits of $250,000 or more	$ 2,000,000	$ 1,200,000

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances (Summary of Outstanding FHLB Advances) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Total FHLB advances	$ 2,316,071	$ 1,241,071
0.00% advance due May 2022
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	0%
Total FHLB advances	$ 0	75,000
4.31% advance due January 2023
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	4.31%
Total FHLB advances	$ 290,000	0
0.00% advance due April 2024
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	0%
Total FHLB advances	$ 442	442
2.98% advance due August 2024
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.98%
Total FHLB advances	$ 25,000	25,000
0.00% advance due April 2026
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	0%
Total FHLB advances	$ 629	629
2.05% variable-rate advance due January 2028
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.05%
Total FHLB advances	$ 0	100,000
2.18% advance due February 2029
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.18%
Total FHLB advances	$ 0	440,000
1.36% advance due December 2029
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	1.36%
Total FHLB advances	$ 0	100,000
1.11% advance due February 2030
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	1.11%
Total FHLB advances	$ 0	500,000
1.76% advance due August 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	1.76%
Total FHLB advances	$ 250,000	0
1.93% advance due August 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	1.93%
Total FHLB advances	$ 250,000	0
2.81% advance due September 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.81%
Total FHLB advances	$ 500,000	0
3.08% advance due September 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	3.08%
Total FHLB advances	$ 500,000	0
2.96% advance due December 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.96%
Total FHLB advances	$ 250,000	0
2.98% advance due December 2032
Federal Home Loan Bank, Advances, Branch Of FHLB Bank [Line Items]
Interest rate	2.98%
Total FHLB advances	$ 250,000	$ 0

Federal Home Loan Bank Advanc_4

Federal Home Loan Bank Advances (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Federal Home Loan Bank, Advances [Line Items]
Additional borrowings possible	$ 2,100,000
Repayment of FHLB advances	1,075,000	$ 12,629	$ 553,500
Federal Home Loan Bank advances outstanding with varying put or call dates over the next 12 months	$ 1,000,000
Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Weighed average contractual interest rate	2.88%

Subordinated Notes (Details)

Subordinated Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2014	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Outstanding subordinated notes			$ 437,392	$ 436,938
Costs incurred in connection with the issuance of subordinated notes	$ 3,300	$ 1,300
4.85% subordinated notes maturing in June 2029
Debt Instrument [Line Items]
Proceeds, net of underwriting discount	296,700
5.00% subordinated notes maturing in June 2024
Debt Instrument [Line Items]
Proceeds, net of underwriting discount		139,100
Subordinated debt
Debt Instrument [Line Items]
Unamortized balances of costs for issuance of subordinated notes			$ 2,600
Subordinated debt | 4.85% subordinated notes maturing in June 2029
Debt Instrument [Line Items]
Principal amount of debt	$ 300,000
Stated interest rate					4.85%
Subordinated debt | 5.00% subordinated notes maturing in June 2024
Debt Instrument [Line Items]
Principal amount of debt		$ 140,000
Stated interest rate		5%

Other Borrowings (Summary Of Ot

Other Borrowings (Summary Of Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Debt Disclosure [Abstract]
Notes payable	$ 199,793	$ 80,319
Short-term borrowings	17,612	9,198
Other	61,267	63,292
Secured borrowings	317,942	341,327
Total other borrowings	$ 596,614	$ 494,136

Other Borrowings (Narrative) (D

Other Borrowings (Narrative) (Details) $ in Millions		1 Months Ended	12 Months Ended	77 Months Ended
	Dec. 12, 2022 USD ($)	Dec. 31, 2014 CAD ($)	Dec. 31, 2022 USD ($) building	May 31, 2020 CAD ($)	Dec. 31, 2021 USD ($)	Oct. 06, 2021	Mar. 31, 2020 USD ($)	Sep. 18, 2018 USD ($)
Debt Instrument [Line Items]
Outstanding borrowings			$ 199,793,000		$ 80,319,000
Other borrowings			61,267,000		63,292,000
Secured borrowings			317,942,000		341,327,000
Collateral Pledged
Debt Instrument [Line Items]
Pledged financial instruments			173,000,000
Revolving Credit Facility
Debt Instrument [Line Items]
Commitment fee	0.30%
Securities sold under repurchase agreements | Overnight Sweep Collateral
Debt Instrument [Line Items]
Securities sold under agreements to repurchase			$ 17,600,000		9,200,000
Fixed Rate Promissory Note
Debt Instrument [Line Items]
Principal amount of debt							$ 66,400,000
Fixed interest rate						1.70%
Number of properties securing debt | building			3
Other borrowings			$ 61,300,000		63,300,000
Secured Debt
Debt Instrument [Line Items]
Secured borrowings			8,200,000
Term Loan Facility
Debt Instrument [Line Items]
Outstanding borrowings								$ 150,000,000
Principal amount of debt	$ 200,000,000
Amount outstanding			199,800,000
Revolving Credit Facility
Debt Instrument [Line Items]
Outstanding borrowings								$ 100,000,000
Amount outstanding			0
Credit Agreement | Base Rate Loan | Base rate
Debt Instrument [Line Items]
Basis spread on variable rate	0.75%
Credit Agreement | Base Rate Loan | Federal funds rate
Debt Instrument [Line Items]
Basis spread on variable rate	0.50%
Credit Agreement | Base Rate Loan | Secured Overnight Financing Rate (SOFR)
Debt Instrument [Line Items]
Basis spread on variable rate	1.10%
Credit Agreement | Term SOFR Loans | Base rate
Debt Instrument [Line Items]
Basis spread on variable rate	1.60%
Receivables Purchase Agreement | Secured Debt
Debt Instrument [Line Items]
Proceeds from debt issuance		$ 150		$ 420
Secured borrowings			$ 309,700,000		$ 332,200,000
Receivables Purchase Agreement | Canadian Commercial Paper Rate | Secured Debt
Debt Instrument [Line Items]
Basis spread on variable rate			0.78%

Other Borrowings (Schedule of F

Other Borrowings (Schedule of Financial Instruments Owned and Pledged as Collateral) (Details) - Securities sold under repurchase agreements - Overnight Sweep Collateral $ in Thousands	Dec. 31, 2022 USD ($)
Debt Instrument [Line Items]
Excess collateral	$ 155,388
Securities sold under repurchase agreements	17,612
Mortgage-backed securities
Debt Instrument [Line Items]
Total collateral pledged	$ 173,000

Junior Subordinated Debenture_2

Junior Subordinated Debentures (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) trust Rate
Subordinated Borrowing [Line Items]
Percentage ownership interest in subsidiary trusts	100%
Number of unconsolidated subsidiary trusts | trust	11
Common securities, approximate percentage of junior subordinated debentures	3%
Trust preferred securities, approximate percentage of junior subordinated debentures	97%
Period of deferred payment, not to exceed	60 months
Junior Subordinated Debt
Subordinated Borrowing [Line Items]
Average contractual rate | Rate	6.87%
Tier two risk based capital	$ 245.5
Junior Subordinated Debt | Interest rate swaps
Subordinated Borrowing [Line Items]
Notional amount	$ 210

Junior Subordinated Debenture_3

Junior Subordinated Debentures (Summary of the Company's Junior Subordinated Debentures) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Subordinated Borrowing [Line Items]
Junior Subordinated Debentures	$ 253,566	$ 253,566
Junior Subordinated Debt
Subordinated Borrowing [Line Items]
Junior Subordinated Debentures	$ 253,566	253,566
Average contractual rate	6.87%
Junior Subordinated Debt | Wintrust Capital Trust III
Subordinated Borrowing [Line Items]
Common Securities	$ 774
Trust Preferred Securities	25,000
Junior Subordinated Debentures	$ 25,774	25,774
Contractual rate	7.33%
Junior Subordinated Debt | Wintrust Capital Trust III | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	3.25%
Junior Subordinated Debt | Wintrust Statutory Trust IV
Subordinated Borrowing [Line Items]
Common Securities	$ 619
Trust Preferred Securities	20,000
Junior Subordinated Debentures	$ 20,619	20,619
Contractual rate	7.55%
Junior Subordinated Debt | Wintrust Statutory Trust IV | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	2.80%
Junior Subordinated Debt | Wintrust Statutory Trust V
Subordinated Borrowing [Line Items]
Common Securities	$ 1,238
Trust Preferred Securities	40,000
Junior Subordinated Debentures	$ 41,238	41,238
Contractual rate	7.35%
Junior Subordinated Debt | Wintrust Statutory Trust V | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	2.60%
Junior Subordinated Debt | Wintrust Capital Trust VII
Subordinated Borrowing [Line Items]
Common Securities	$ 1,550
Trust Preferred Securities	50,000
Junior Subordinated Debentures	$ 51,550	51,550
Contractual rate	6.72%
Junior Subordinated Debt | Wintrust Capital Trust VII | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	1.95%
Junior Subordinated Debt | Wintrust Capital Trust VIII
Subordinated Borrowing [Line Items]
Common Securities	$ 1,238
Trust Preferred Securities	25,000
Junior Subordinated Debentures	$ 26,238	26,238
Contractual rate	6.20%
Junior Subordinated Debt | Wintrust Capital Trust VIII | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	1.45%
Junior Subordinated Debt | Wintrust Capital Trust IX
Subordinated Borrowing [Line Items]
Common Securities	$ 1,547
Trust Preferred Securities	50,000
Junior Subordinated Debentures	$ 51,547	51,547
Contractual rate	6.40%
Junior Subordinated Debt | Wintrust Capital Trust IX | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	1.63%
Junior Subordinated Debt | Northview Capital Trust I
Subordinated Borrowing [Line Items]
Common Securities	$ 186
Trust Preferred Securities	6,000
Junior Subordinated Debentures	$ 6,186	6,186
Contractual rate	7.44%
Junior Subordinated Debt | Northview Capital Trust I | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	3%
Junior Subordinated Debt | Town Bankshares Capital Trust I
Subordinated Borrowing [Line Items]
Common Securities	$ 186
Trust Preferred Securities	6,000
Junior Subordinated Debentures	$ 6,186	6,186
Contractual rate	7.44%
Junior Subordinated Debt | Town Bankshares Capital Trust I | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	3%
Junior Subordinated Debt | First Northwest Capital Trust I
Subordinated Borrowing [Line Items]
Common Securities	$ 155
Trust Preferred Securities	5,000
Junior Subordinated Debentures	$ 5,155	5,155
Contractual rate	7.75%
Junior Subordinated Debt | First Northwest Capital Trust I | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	3%
Junior Subordinated Debt | Suburban Illinois Capital Trust II
Subordinated Borrowing [Line Items]
Common Securities	$ 464
Trust Preferred Securities	15,000
Junior Subordinated Debentures	$ 15,464	15,464
Contractual rate	6.52%
Junior Subordinated Debt | Suburban Illinois Capital Trust II | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	1.75%
Junior Subordinated Debt | Community Financial Shares Statutory Trust II
Subordinated Borrowing [Line Items]
Common Securities	$ 109
Trust Preferred Securities	3,500
Junior Subordinated Debentures	$ 3,609	$ 3,609
Contractual rate	6.39%
Junior Subordinated Debt | Community Financial Shares Statutory Trust II | London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Rate Structure	1.62%

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Disaggregation of Revenue by Source) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	$ 217,719	$ 207,172	$ 170,130
Brokerage and insurance product commissions
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	17,668	20,710	18,731
Trust
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	33,460	21,930	18,392
Asset management
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	75,486	81,379	63,213
Wealth management
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	126,614	124,019	100,336
Mortgage broker fees
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	854	787	368
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	58,574	54,168	45,023
Administrative services
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	6,713	5,689	4,385
Card related fees
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	11,474	9,210	7,579
Other deposit related fees
Disaggregation of Revenue [Line Items]
Total revenue from contracts with customers	$ 13,490	$ 13,299	$ 12,439

Revenue from Contracts with C_4

Revenue from Contracts with Customers (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) subsidiary	Dec. 31, 2021 USD ($)
Revenue from Contract with Customer [Abstract]
Number of wealth management subsidiaries | subsidiary	4
Revenue recognized from contract liability balance | $	$ 1,300	$ 898

Revenue from Contracts with C_5

Revenue from Contracts with Customers (Contract Assets, Contract Liabilities and Receivables from Contracts with Customers) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Contract assets	$ 0	$ 0
Contract liabilities	1,282	1,588
Mortgage broker fees receivable	20	73
Administrative services receivable	279	68
Wealth management receivable	9,642	11,748
Card related fees receivable	571	921
Total receivables from contracts with customer	$ 10,512	$ 12,810

Revenue from Contracts with C_6

Revenue from Contracts with Customers (Performance Obligations Unsatisfied at End of Period) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Performance obligation unsatisfied or partially unsatisfied	$ 1,282
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2023-01-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Performance obligation unsatisfied or partially unsatisfied	$ 932
Estimated remaining performance period	1 year
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2024-01-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Performance obligation unsatisfied or partially unsatisfied	$ 250
Estimated remaining performance period	1 year
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2025-01-01
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction [Line Items]
Performance obligation unsatisfied or partially unsatisfied	$ 100
Estimated remaining performance period	1 year

Lease Commitments (Summary of L

Lease Commitments (Summary of Lease Costs) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease cost	$ 22,767
Finance lease cost: Amortization of right-of-use asset	219
Finance lease cost: Interest on lease liability	291
Short-term lease cost	302
Variable lease cost	2,966
Sublease income	(73)
Total lease cost	26,472
Cash paid for amounts included in the measurement of operating lease liabilities	25,379
Cash paid for amounts included in the measurement of finance lease liabilities	337
Right-of-use asset obtained in exchange for new operating lease liabilities	7,832
Right-of-use asset obtained in exchange for new finance lease liabilities	$ 0
Weighted average remaining lease term - operating leases	11 years 4 months 24 days
Weighted average remaining lease term - finance leases	38 years
Weighted average discount rate - operating leases	3.99%
Weighted average discount rate - finance leases	3.43%
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Interest Receivable and Other Assets	Interest Receivable and Other Assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Interest Receivable and Other Assets	Interest Receivable and Other Assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Accrued interest payable and other liabilities	Accrued interest payable and other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible List]	Accrued interest payable and other liabilities	Accrued interest payable and other liabilities

Lease Commitments (Summary of F

Lease Commitments (Summary of Future Required Fixed Payments Related to Leasing Arrangements) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2023	$ 21,494
2024	21,513
2025	20,453
2026	18,566
2027	17,584
2028 and thereafter	115,255
Total minimum future amounts	214,865
Impact of measuring the lease liability on a discounted basis	(48,127)
Total lease liability	166,738
Finance Lease, Liability, Payment, Due [Abstract]
2023	21,494
2024	21,513
2025	20,453
2026	18,566
2027	17,584
2028 and thereafter	115,255
Total minimum future amounts	214,865
Impact of measuring the lease liability on a discounted basis	(48,127)
Total lease liability	$ 166,738

Lease Commitments (Narrative) (

Lease Commitments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Lessor, Lease, Description [Line Items]
Operating lease income, net	$ 55,510	$ 53,691	$ 47,604
Building
Lessor, Lease, Description [Line Items]
Operating lease income, net	$ 7,800	$ 7,800	$ 8,700

Lease Commitments (Schedule of

Lease Commitments (Schedule of Annual Gross Rental Receipts) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Leases [Abstract]
2023	$ 4,066
2024	2,861
2025	2,253
2026	1,745
2027	1,108
2028 and thereafter	3,674
Total minimum future amounts	$ 15,707

Income Taxes (Income Tax Expens

Income Taxes (Income Tax Expense (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Current income taxes:
Federal	$ 116,976	$ 118,723	$ 75,154
State	48,633	48,847	19,194
Foreign	3,207	6,936	6,501
Total current income taxes	168,816	174,506	100,849
Deferred income taxes:
Federal	18,560	794	284
State	(1,183)	(3,597)	(2,834)
Foreign	4,680	(58)	(1,508)
Total deferred income taxes	22,057	(2,861)	(4,058)
Total income tax expense	$ 190,873	$ 171,645	$ 96,791

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating Loss Carryforwards [Line Items]
Income before income taxes	$ 700,555,000	$ 637,796,000	$ 389,781,000
Unrecognized tax benefits that would impact the effective tax rate	0	0
Interest income accrued on unrecognized tax benefits	0	0
Domestic Tax Authority
Operating Loss Carryforwards [Line Items]
Net operating loss carryforward	4,800,000
Geographic distribution, foreign
Operating Loss Carryforwards [Line Items]
Income before income taxes	$ 27,700,000	$ 23,100,000	$ 15,400,000

Income Taxes (Reconciliation of

Income Taxes (Reconciliation of the Differences Between Taxes Computed Using the Statutory Federal Income Tax Rate and Actual Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income tax expense using the statutory Federal income tax rate of 21% on income before taxes	$ 147,117	$ 133,937	$ 81,854
Increase (decrease) in tax resulting from:
Tax-exempt interest, net of interest expense disallowance	(3,936)	(2,605)	(2,970)
State taxes, net of federal tax benefit	37,328	35,747	20,098
Income earned on bank owned life insurance	(102)	(1,169)	(956)
(Excess) deficient tax benefits on share based compensation	(2,278)	(1,906)	466
Meals, entertainment and related expenses	1,506	1,208	992
FDIC insurance expense	6,014	5,676	4,605
Non-deductible compensation expense	2,361	1,799	398
Foreign subsidiary, net	2,376	2,011	2,080
Tax benefits related to tax credits, net	(338)	(1,145)	(1,902)
Release of state uncertain tax positions	0	0	(7,173)
Other, net	825	(1,908)	(701)
Total income tax expense	$ 190,873	$ 171,645	$ 96,791

Income Taxes (Deferred Tax Asse

Income Taxes (Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Net unrealized losses on securities included in other comprehensive income	$ 140,002	$ 0
Allowance for credit losses	95,389	79,879
Right-of-use liability	44,277	47,312
Deferred compensation	26,411	26,301
Stock-based compensation	11,196	5,762
Federal net operating loss carryforward	1,003	1,870
Nonaccrued interest	875	1,098
Loans	819	1,344
Other	4,497	4,652
Total gross deferred tax assets	324,469	168,218
Deferred tax liabilities:
Equipment leasing	138,198	122,711
Premises and equipment	51,058	56,377
Right-of-use asset	36,484	38,973
Capitalized servicing rights	59,928	37,528
Goodwill and intangible assets	12,636	10,577
Deferred loan fees and costs	5,061	967
Net unrealized gains on derivatives included in other comprehensive income	2,364	9,836
Net unrealized gains on securities included in other comprehensive income	0	3,169
Other	1,387	3,835
Total gross deferred tax liabilities	307,116	283,973
Net deferred tax assets	$ 17,353
Net deferred tax liabilities		$ (115,755)

Income Taxes (Unrecognized Tax

Income Taxes (Unrecognized Tax Benefits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Unrecognized tax benefits at beginning of year	$ 0	$ 0	$ 10,840
Gross increases for tax positions taken in current period	0	0	0
Gross decreases for positions taken in prior periods	0	0	(10,571)
Settlements with taxing authorities	0	0	(269)
Unrecognized tax benefits at end of year	$ 0	$ 0	$ 0

Stock Compensation Plans and _3

Stock Compensation Plans and Other Employee Benefit Plans (Narrative) (Details) - USD ($)	12 Months Ended			84 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022	May 31, 2022	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares approved for issuance (in shares)					1,200,000
Shares available for future grants (in shares)	1,600,000			1,600,000
Number of stock options granted (in shares)				0
Stock-based compensation expense	$ 31,700,000	$ 16,200,000	$ (4,900,000)
Tax benefit (expense) from stock-based compensation arrangements	7,000,000	3,700,000	(914,000,000)
Aggregate intrinsic value of options exercised	6,700,000	11,700,000	4,100,000
Actual tax benefit realized from option exercises	1,800,000	3,100,000	1,100,000
Cash received from option exercises	5,200,000	14,000,000	9,700,000
Excess (deficit) tax benefit over estimate	(580,000)	(40,000)	848,000
Unrecognized compensation cost	$ 37,800,000			$ 37,800,000
Unrecognized compensation cost, period for recognition	2 years
Fair value of shares vested	$ 4,500,000	1,500,000	14,700,000
Expense for employer contribution to plan	16,200,000	15,600,000	13,800,000
Cash Incentive and Retention Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expense related to plan	0	0	0
Cash awards paid	0	$ 0	$ 0
Cash awards outstanding	$ 0			$ 0
Directors Deferred Fee and Stock Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in shares authorized (in shares)			200,000
Issued to directors (in shares)	59,174	23,909	19,928
Obligation to issue (in shares)	313,409			313,409
Available for future issuance under DDFS Plan (in shares)	121,119			121,119
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Term	10 years
Stock Options | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Stock Options | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Restricted Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares outstanding (in shares)	610,155	476,813	234,794	610,155		144,328
Restricted Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year
Restricted Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
LTIP Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Term	7 years
LTIP Awards | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance based award payouts	0%
LTIP Awards | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance based award payouts	150%
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Performance period	3 years
Shares outstanding (in shares)	545,379	557,255	482,608	545,379		465,515
Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares outstanding (in shares)	800,000			800,000
ESPP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of purchase price of shares	95%
Employee stock purchase plan issuance (in shares)	40,421	44,021	75,763
Compensation expense employee stock purchase plan	$ 0	$ 0	$ 0
Increase in shares authorized (in shares)		200,000
Common stock obligation to issue (in shares)	8,638			8,638
Available for future grants under ESPP (in shares)	212,472			212,472

Stock Compensation Plans and _4

Stock Compensation Plans and Other Employee Benefit Plans (Summary of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Common Shares
Common shares, outstanding at beginning of the period (in shares)	193,447	520,663	755,332
Common shares, exercised (in shares)	(123,924)	(326,626)	(229,061)
Common shares, forfeited or canceled (in shares)	(1,430)	(590)	(5,608)
Common shares, outstanding at end of the period (in shares)	68,093	193,447	520,663
Common shares, exercisable (in shares)	68,093	191,898	512,762
Common shares, vested or expected to vest (in shares)	68,093
Weighted Average Strike Price
Weighted average strike price, outstanding at beginning of period (usd per share)	$ 41.62	$ 42.47	$ 42.43
Weighted average strike price, exercised (usd per share)	41.89	42.97	42.29
Weighted average strike price, forfeited or canceled (usd per share)	40.87	46.86	44.34
Weighted average strike price, outstanding at end of period (usd per share)	41.14	41.62	42.47
Weighted average strike price, exercisable (in dollars per share)	41.14	$ 41.57	$ 42.46
Weighted average strike price, vested or expected to vest (in dollars per share)	$ 41.14
Stock Options Additional Disclosures
Remaining contractual term, outstanding	1 year 1 month 6 days	1 year 4 months 24 days	1 year 10 months 24 days
Remaining contractual term, exercisable	1 year 1 month 6 days	1 year 3 months 18 days	1 year 9 months 18 days
Remaining contractual term, vested or expected to vest	1 year 1 month 6 days
Intrinsic value, outstanding	$ 2,954	$ 9,518	$ 9,694
Intrinsic value, exercisable	2,954	$ 9,451	$ 9,555
Intrinsic value, vested or expected to vest	$ 2,954

Stock Compensation Plans and _5

Stock Compensation Plans and Other Employee Benefit Plans (Summary of Plans' Restricted and Performance Share Award Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Restricted Shares
Common Shares
Outstanding, beginning of the period (in shares)	476,813	234,794	144,328
Granted (in shares)	225,680	276,311	117,571
Vested and issued (in shares)	(68,541)	(19,673)	(20,441)
Forfeited or canceled (in shares)	(23,797)	(14,619)	(6,664)
Outstanding, end of the period (in shares)	610,155	476,813	234,794
Vested, but deferred (in shares)	96,920	95,465	93,969
Weighted Average Grant-Date Fair Value
Beginning weighted average grant-date fair value (usd per share)	$ 61.33	$ 59.02	$ 60.37
Weighted average grant-date fair value, granted (usd per share)	95.93	63.96	60.85
Weighted average grant-date fair value, vested and issued (usd per share)	64.49	68.92	74.42
Weighted average grant-date fair value, expired, canceled or forfeited (usd per share)	75.84	63.66	73.54
Ending weighted average grant-date fair value (usd per share)	73.21	61.33	59.02
Weighted average grant-date fair value, vested, but deferred (usd per share)	$ 53.08	$ 52.52	$ 52.11
Performance Shares
Common Shares
Outstanding, beginning of the period (in shares)	557,255	482,608	465,515
Granted (in shares)	160,598	208,851	170,032
Added by performance factor at vesting (in shares)	0	0	48,831
Vested and issued (in shares)	0	0	(180,789)
Forfeited or canceled (in shares)	(172,474)	(134,204)	(20,981)
Outstanding, end of the period (in shares)	545,379	557,255	482,608
Vested, but deferred (in shares)	35,696	35,160	34,609
Weighted Average Grant-Date Fair Value
Beginning weighted average grant-date fair value (usd per share)	$ 62.94	$ 71.15	$ 74.37
Weighted average grant-date fair value, granted (usd per share)	97.14	58.99	63.61
Weighted average grant-date fair value, added by performance factor at vesting (usd per share)	0	0	72.59
Weighted average grant-date fair value, vested and issued (usd per share)	0	0	72.59
Weighted average grant-date fair value, expired, canceled or forfeited (usd per share)	71.52	86.30	72.46
Ending weighted average grant-date fair value (usd per share)	70.30	62.94	71.15
Weighted average grant-date fair value, vested, but deferred (usd per share)	$ 44.38	$ 43.69	$ 43.14

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Cash dividends paid to parent Company by consolidated subsidiaries	$ 52,000,000	$ 145,000,000	$ 253,000,000
Amount available to be paid as dividends without prior regulatory approval	$ 703,800,000
Minimum ratio of qualifying total capital to risk-weighted assets	0.080
Tier 1 common equity capital required for capital adequacy to risk weighted assets	0.0450
Tier 1 risk based capital required for capital adequacy to risk weighted assets	0.060
Tier 1 leverage capital required for capital adequacy to average assets	0.040
Ratio required for banks to be well capitalized, total capital to risk-weighted assets	0.100
Ratio required for banks to be well capitalized, Tier 1 capital to risk-weighted assets	0.080
Ratio required for banks to be well capitalized, Common Equity Tier 1 capital risk weighted assets	0.065
Ratio required for banks to be well capitalized, Tier 1 leverage ratio	0.050
Federal Reserve Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Cash reserve requirement	$ 0	$ 0	$ 0

Regulatory Matters (Schedule of

Regulatory Matters (Schedule of Compliance with Minimum Capital Requirements) (Details)	Dec. 31, 2022	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Total capital to risk weighted assets	0.119	0.116
Tier 1 capital to risk weighted assets	0.100	0.096
Common Equity Tier 1 capital to risk weighted assets	0.091	0.086
Tier 1 Leverage Ratio	0.088	0.080

Regulatory Matters (Schedule _2

Regulatory Matters (Schedule of Actual Capital Amounts and Ratios) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital to Risk Weighted Assets, Ratio	0.119	0.116
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100
Tier 1 Capital to Risk Weighted Assets, Ratio	0.100	0.096
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080
Common Equity Tier 1 capital to risk weighted assets	0.091	0.086
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065
Tier 1 Leverage Ratio	0.088	0.080
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050
Lake Forest Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 725,384	$ 614,942
Total Capital to Risk Weighted Assets, Ratio	0.114	0.111
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 638,871	$ 552,325
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 689,320	$ 586,701
Tier 1 Capital to Risk Weighted Assets, Ratio	0.108	0.106
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 511,097	$ 441,860
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 689,320	$ 586,701
Common Equity Tier 1 capital to risk weighted assets	0.108	0.106
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 415,266	$ 359,011
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 689,320	$ 586,701
Tier 1 Leverage Ratio	0.088	0.083
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 391,452	$ 353,846
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Hinsdale Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 441,317	$ 370,363
Total Capital to Risk Weighted Assets, Ratio	0.117	0.113
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 378,007	$ 327,716
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 416,762	$ 352,916
Tier 1 Capital to Risk Weighted Assets, Ratio	0.110	0.108
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 302,406	$ 262,173
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 416,762	$ 352,916
Common Equity Tier 1 capital to risk weighted assets	0.110	0.108
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 245,705	$ 213,015
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 416,762	$ 352,916
Tier 1 Leverage Ratio	0.095	0.088
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 220,373	$ 200,228
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Wintrust Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 1,084,435	$ 905,629
Total Capital to Risk Weighted Assets, Ratio	0.120	0.112
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 907,101	$ 810,711
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 1,004,271	$ 844,613
Tier 1 Capital to Risk Weighted Assets, Ratio	0.111	0.104
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 725,681	$ 648,569
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 1,004,271	$ 844,613
Common Equity Tier 1 capital to risk weighted assets	0.111	0.104
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 589,616	$ 526,962
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 1,004,271	$ 844,613
Tier 1 Leverage Ratio	0.107	0.092
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 469,415	$ 461,082
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Libertyville Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 242,482	$ 203,893
Total Capital to Risk Weighted Assets, Ratio	0.120	0.114
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 201,695	$ 179,719
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 225,766	$ 191,716
Tier 1 Capital to Risk Weighted Assets, Ratio	0.112	0.107
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 161,356	$ 143,775
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 225,766	$ 191,716
Common Equity Tier 1 capital to risk weighted assets	0.112	0.107
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 131,102	$ 116,817
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 225,766	$ 191,716
Tier 1 Leverage Ratio	0.093	0.085
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 121,475	$ 112,448
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Barrington Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 387,113	$ 362,019
Total Capital to Risk Weighted Assets, Ratio	0.115	0.116
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 337,499	$ 313,373
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 373,830	$ 353,629
Tier 1 Capital to Risk Weighted Assets, Ratio	0.111	0.113
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 269,999	$ 250,698
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 373,830	$ 353,629
Common Equity Tier 1 capital to risk weighted assets	0.111	0.113
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 219,374	$ 203,692
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 373,830	$ 353,629
Tier 1 Leverage Ratio	0.103	0.109
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 181,212	$ 162,392
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Crystal Lake Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 154,891	$ 139,059
Total Capital to Risk Weighted Assets, Ratio	0.114	0.114
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 136,419	$ 121,722
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 145,514	$ 131,730
Tier 1 Capital to Risk Weighted Assets, Ratio	0.107	0.108
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 109,135	$ 97,378
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 145,514	$ 131,730
Common Equity Tier 1 capital to risk weighted assets	0.107	0.108
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 88,673	$ 79,119
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 145,514	$ 131,730
Tier 1 Leverage Ratio	0.095	0.097
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 76,780	$ 67,711
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Northbrook Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 409,571	$ 338,912
Total Capital to Risk Weighted Assets, Ratio	0.113	0.112
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 362,342	$ 303,915
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 383,691	$ 320,243
Tier 1 Capital to Risk Weighted Assets, Ratio	0.106	0.105
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 289,874	$ 243,132
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 383,691	$ 320,243
Common Equity Tier 1 capital to risk weighted assets	0.106	0.105
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 235,522	$ 197,545
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 383,691	$ 320,243
Tier 1 Leverage Ratio	0.091	0.085
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 211,521	$ 188,424
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Schaumburg Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 169,428	$ 148,108
Total Capital to Risk Weighted Assets, Ratio	0.113	0.110
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 149,425	$ 134,208
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 160,061	$ 141,228
Tier 1 Capital to Risk Weighted Assets, Ratio	0.107	0.105
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 119,540	$ 107,367
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 160,061	$ 141,228
Common Equity Tier 1 capital to risk weighted assets	0.107	0.105
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 97,126	$ 87,235
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 160,061	$ 141,228
Tier 1 Leverage Ratio	0.093	0.090
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 86,409	$ 78,938
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Village Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 256,537	$ 219,017
Total Capital to Risk Weighted Assets, Ratio	0.113	0.110
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 226,399	$ 198,923
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 238,246	$ 206,828
Tier 1 Capital to Risk Weighted Assets, Ratio	0.105	0.104
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 181,120	$ 159,138
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 238,246	$ 206,828
Common Equity Tier 1 capital to risk weighted assets	0.105	0.104
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 147,160	$ 129,300
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 238,246	$ 206,828
Tier 1 Leverage Ratio	0.097	0.092
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 123,484	$ 111,885
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Beverly Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 223,808	$ 189,349
Total Capital to Risk Weighted Assets, Ratio	0.115	0.114
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 195,237	$ 166,645
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 206,714	$ 179,487
Tier 1 Capital to Risk Weighted Assets, Ratio	0.106	0.108
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 156,189	$ 133,316
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 206,714	$ 179,487
Common Equity Tier 1 capital to risk weighted assets	0.106	0.108
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 126,904	$ 108,319
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 206,714	$ 179,487
Tier 1 Leverage Ratio	0.100	0.099
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 103,759	$ 90,265
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Town Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 314,351	$ 273,185
Total Capital to Risk Weighted Assets, Ratio	0.113	0.113
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 278,704	$ 241,598
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 297,499	$ 262,859
Tier 1 Capital to Risk Weighted Assets, Ratio	0.107	0.109
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 222,963	$ 193,278
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 297,499	$ 262,859
Common Equity Tier 1 capital to risk weighted assets	0.107	0.109
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 181,157	$ 157,039
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 297,499	$ 262,859
Tier 1 Leverage Ratio	0.084	0.079
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 176,660	$ 166,487
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Wheaton Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 285,606	$ 245,045
Total Capital to Risk Weighted Assets, Ratio	0.116	0.114
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 247,015	$ 215,507
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 269,366	$ 234,218
Tier 1 Capital to Risk Weighted Assets, Ratio	0.109	0.109
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 197,612	$ 172,405
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 269,366	$ 234,218
Common Equity Tier 1 capital to risk weighted assets	0.109	0.109
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 160,559	$ 140,079
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 269,366	$ 234,218
Tier 1 Leverage Ratio	0.090	0.081
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 148,942	$ 144,949
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
State Bank of the Lakes
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 167,023	$ 145,438
Total Capital to Risk Weighted Assets, Ratio	0.113	0.113
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 147,369	$ 129,304
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 159,399	$ 138,266
Tier 1 Capital to Risk Weighted Assets, Ratio	0.108	0.107
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 117,895	$ 103,443
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 159,399	$ 138,266
Common Equity Tier 1 capital to risk weighted assets	0.108	0.107
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 95,790	$ 84,048
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 159,399	$ 138,266
Tier 1 Leverage Ratio	0.091	0.085
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 88,065	$ 81,475
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
Old Plank Trail Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 211,437	$ 190,402
Total Capital to Risk Weighted Assets, Ratio	0.115	0.115
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 183,269	$ 165,493
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 201,864	$ 177,956
Tier 1 Capital to Risk Weighted Assets, Ratio	0.110	0.108
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 146,615	$ 132,394
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 201,864	$ 177,956
Common Equity Tier 1 capital to risk weighted assets	0.110	0.108
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 119,125	$ 107,571
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 201,864	$ 177,956
Tier 1 Leverage Ratio	0.087	0.082
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 115,692	$ 108,332
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050
St. Charles Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets):	$ 211,132	$ 183,726
Total Capital to Risk Weighted Assets, Ratio	0.113	0.114
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 186,623	$ 161,563
Total Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.100	0.100
Tier 1 Capital (to Risk Weighted Assets):	$ 200,910	$ 174,516
Tier 1 Capital to Risk Weighted Assets, Ratio	0.108	0.108
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 149,299	$ 129,250
Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.080	0.080
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount	$ 200,910	$ 174,516
Common Equity Tier 1 capital to risk weighted assets	0.108	0.108
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Amount	$ 121,305	$ 105,016
Common Equity Tier 1 Capital to Risk Weighted Assets, To Be Well Capitalized by Regulatory Definition, Ratio	0.065	0.065
Tier 1 Leverage Ratio, Amount	$ 200,910	$ 174,516
Tier 1 Leverage Ratio	0.096	0.091
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Amount	$ 104,431	$ 95,638
Tier 1 Leverage Ratio, To Be Well Capitalized by Regulatory Definition, Ratio	0.050	0.050

Commitments and Contingencies (

Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Commitments And Contingencies [Line Items]
Letters of credit outstanding	$ 344,400	$ 351,100
Mortgage loans sold	3,146,442	7,441,705	$ 7,624,799
Liability for estimated losses on repurchase and indemnification claims	624	675
Losses charged against liability	60	219
Unfunded commitments to investment partnerships	50,900	40,300
Commitments to invest in partnership for tax credits	7,100
Customer balances maintained by clearing broker and subject to indemnification	15,800	22,500
Forward contracts
Commitments And Contingencies [Line Items]
Derivative instrument, contractual amounts	321,000	952,300
Commercial, commercial real estate, and construction loans | Commitments to extend credit
Commitments And Contingencies [Line Items]
Commitments to fund	9,500,000	7,800,000
Unused home equity lines | Commitments to extend credit
Commitments And Contingencies [Line Items]
Commitments to fund	796,900	749,400
Residential real estate | Commitments to extend credit
Commitments And Contingencies [Line Items]
Commitments to fund	$ 181,000	$ 590,000

Derivative Financial Instrume_3

Derivative Financial Instruments (Schedule of Fair Value of Derivative Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative Assets	$ 296,848	$ 165,008
Derivative Liabilities	338,078	123,000
Interest rate derivatives
Derivative [Line Items]
Derivative Assets	286,438	152,493
Derivative Liabilities	329,307	119,907
Designated as hedging instrument
Derivative [Line Items]
Derivative Assets	16,768	48,783
Derivative Liabilities	58,198	16,242
Designated as hedging instrument | Interest rate derivatives | Interest rate derivatives designated as Cash Flow Hedges
Derivative [Line Items]
Derivative Assets	0	47,309
Derivative Liabilities	58,198	10,401
Designated as hedging instrument | Interest rate derivatives | Interest rate derivatives designated as Fair Value Hedges
Derivative [Line Items]
Derivative Assets	16,768	1,474
Derivative Liabilities	0	5,841
Not designed as hedging instrument
Derivative [Line Items]
Derivative Assets	280,080	116,225
Derivative Liabilities	279,880	106,758
Not designed as hedging instrument | Interest rate derivatives
Derivative [Line Items]
Derivative Assets	269,670	103,710
Derivative Liabilities	271,109	103,665
Not designed as hedging instrument | Interest rate lock commitments
Derivative [Line Items]
Derivative Assets	1,711	10,560
Derivative Liabilities	58	885
Not designed as hedging instrument | Forward commitments to sell mortgage loans
Derivative [Line Items]
Derivative Assets	220	1,625
Derivative Liabilities	414	1,878
Not designed as hedging instrument | Commodity forward contracts
Derivative [Line Items]
Derivative Assets	257	0
Derivative Liabilities	162	0
Not designed as hedging instrument | Foreign exchange contracts
Derivative [Line Items]
Derivative Assets	8,222	330
Derivative Liabilities	$ 8,137	$ 330

Derivative Financial Instrume_4

Derivative Financial Instruments (Narrative) (Detail)	3 Months Ended		12 Months Ended
	Dec. 31, 2022 USD ($) derivativeInstrument	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($) derivativeInstrument	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($) derivativeInstrument	Dec. 31, 2021 USD ($) derivativeInstrument
Derivative Instruments, Gain (Loss) [Line Items]
Amount to be reclassified from accumulated other comprehensive income to interest expense in the next twelve months			$ 11,000,000
Net derivative liability position, aggregate fair value	$ 0		0
Interest rate swap terminated
Derivative Instruments, Gain (Loss) [Line Items]
Amount to be reclassified from accumulated other comprehensive income to interest expense in the next twelve months			20,300,000
Forward commitments to sell mortgage loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	321,000,000		321,000,000			$ 952,300,000
Mortgage banking derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 190,000,000		$ 190,000,000
Number of derivative instruments held | derivativeInstrument	3		3			0
Not designed as hedging instrument | Interest rate contract
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 0		$ 0
Not designed as hedging instrument | Interest rate contract terminated
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	1,000,000,000		1,000,000,000
Not designed as hedging instrument | Interest rate contract, qualified borrowers
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	9,600,000,000		9,600,000,000
Not designed as hedging instrument | Interest rate lock commitments
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	121,600,000		121,600,000
Not designed as hedging instrument | Forward commitments to sell mortgage loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	321,000,000		321,000,000
Not designed as hedging instrument | Commodity forward contracts
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	3,600,000		3,600,000			$ 0
Not designed as hedging instrument | Foreign exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 226,200,000		$ 226,200,000
Not designed as hedging instrument | Covered call options
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative instruments held | derivativeInstrument	0		0			0
Interest rate derivatives designated as Cash Flow Hedges | Designated as hedging instrument
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 3,000,000,000		$ 3,000,000,000
Interest rate derivatives designated as Cash Flow Hedges | Designated as hedging instrument | Interest rate swap terminated
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount		$ 1,000,000,000			$ 500,000,000
Derivative term		5 years
Fair value of derivative contracts		$ 66,500,000
Number of derivative instruments held | derivativeInstrument					2
Interest rate derivatives designated as Cash Flow Hedges | Designated as hedging instrument | Interest Rate Swap Terminated, Original Swap Maturing March 2023
Derivative Instruments, Gain (Loss) [Line Items]
Fair value of derivative contracts				$ 3,700,000
Interest rate derivatives designated as Cash Flow Hedges | Designated as hedging instrument | Interest Rate Swap Terminated, Original Swap Maturing April 2024
Derivative Instruments, Gain (Loss) [Line Items]
Fair value of derivative contracts				10,700,000
Interest rate derivatives designated as Cash Flow Hedges | Designated as hedging instrument | Interest Rate Collars Terminated
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 64,300,000		64,300,000
Fair value of derivative contracts				$ 875,000
Number of derivative instruments terminated | derivativeInstrument	1
Interest rate derivatives designated as Fair Value Hedges | Designated as hedging instrument | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 207,200,000		$ 207,200,000
Number of Interest rate derivatives | derivativeInstrument	14		14

Derivative Financial Instrume_5

Derivative Financial Instruments (Schedule of Cash Flow Hedging Instruments) (Details) - Designated as hedging instrument - Interest rate derivatives designated as Cash Flow Hedges $ in Thousands	Dec. 31, 2022 USD ($)
Derivative [Line Items]
Notional Amount	$ 3,000,000
Fair Value Asset (Liability)	$ (58,198)
1-month CME term SOFR; buy 2.250% floor, sell 3.743% cap; matures September 2025
Derivative [Line Items]
Derivative floor rate	0.02250
Derivative cap rate	0.03743
Notional Amount	$ 1,250,000
Fair Value Asset (Liability)	$ (20,446)
1-month CME term SOFR; buy 2.750% floor, sell 4.320% cap; matures October 2026
Derivative [Line Items]
Derivative floor rate	0.02750
Derivative cap rate	0.04320
Notional Amount	$ 500,000
Fair Value Asset (Liability)	$ (1,473)
1-month CME term SOFR; buy 2.000% floor, sell 3.450% cap; matures September 2027
Derivative [Line Items]
Derivative floor rate	0.02000
Derivative cap rate	0.03450
Notional Amount	$ 1,250,000
Fair Value Asset (Liability)	$ (36,279)

Derivative Financial Instrume_6

Derivative Financial Instruments (Rollforward of Amounts in Accumulated Other Comprehensive Income Related to Interest Rate Swaps Designated as Cash Flow Hedges) (Details) - Interest rate contract - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Rollforward of AOCI from Cash Flow Hedging Derivatives [Roll Forward]
Unrealized gain (loss) at beginning of period	$ 36,908	$ (31,533)
Amount reclassified from accumulated other comprehensive income or loss to interest expense on deposits, loans, other borrowings and junior subordinated debentures	(3,319)	26,883
Amount of (loss) gain recognized in other comprehensive income or loss	(23,563)	41,558
Unrealized gain at end of period	$ 10,026	$ 36,908

Derivative Financial Instrume_7

Derivative Financial Instruments (Derivatives in Fair Value Hedging Relationships) (Details) - Designated as hedging instrument - Interest rate swaps $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Interest and fees on loans
Derivative Instruments, Gain (Loss) [Line Items]
Location of Gain or (Loss) Recognized in Income on Derivative	$ 10
Interest income - investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Location of Gain or (Loss) Recognized in Income on Derivative	0
Loans, net of unearned income
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Amount of the Hedged Assets/(Liabilities)	189,587
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)	(16,719)
Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets (Liabilities) for which Hedge Accounting has been Discontinued	(107)
Available-for-sale debt securities
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Amount of the Hedged Assets/(Liabilities)	923
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)	(23)
Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets (Liabilities) for which Hedge Accounting has been Discontinued	$ 0

Derivative Financial Instrume_8

Derivative Financial Instruments (Summary Amounts Included in Consolidated Statement of Income Related to Derivatives) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Interest rate swaps and caps | Trading gains (losses), net
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	$ 3,603	$ 139
Mortgage banking derivatives | Mortgage banking revenue
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	(23,470)	(42,652)
Commodity contracts | Trading gains (losses), net
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	95	0
Foreign exchange contracts | Fees from covered call options
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	14,133	3,673
Covered call options | Trading gains (losses), net
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	85	(10)
Derivative contract held as economic hedge on MSRs | Mortgage banking revenue
Derivative Instruments, Gain (Loss) [Line Items]
Gains (losses) on derivative instruments	$ (2,165)	$ 0

Derivative Financial Instrume_9

Derivative Financial Instruments (Summary of Interest Rate Derivatives) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative Assets
Gross Amounts Recognized	$ 296,848	$ 165,008
Derivative Liabilities
Gross Amounts Recognized	338,078	123,000
Interest rate contract
Derivative Assets
Gross Amounts Recognized	286,438	152,493
Less: Amounts offset in the Statements of Condition	0	0
Net amount presented in the Statements of Condition	286,438	152,493
Offsetting Derivative Positions	(64,100)	(52,832)
Collateral Posted	(194,666)	(3,530)
Net Credit Exposure	27,672	96,131
Derivative Liabilities
Gross Amounts Recognized	329,307	119,907
Less: Amounts offset in the Statements of Condition	0	0
Net amount presented in the Statements of Condition	329,307	119,907
Offsetting Derivative Positions	(64,100)	(52,832)
Collateral Posted	0	(55,201)
Net Credit Exposure	$ 265,207	$ 11,874

Fair Values of Assets and Liabi

Fair Values of Assets and Liabilities (Narrative) (Detail)	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 3,243,017,000	$ 2,327,793,000
Loans held-for-investment	179,932,000	38,598,000
MSRs	230,225,000	147,571,000	$ 92,081,000	$ 85,638,000
Individually assessed loans - foreclosure probable and collateral-dependent	90,197,000	93,270,000
Estimate of Fair Value Measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	3,243,017,000	2,327,793,000
Remaining contractual principal balance outstanding, mortgage loans held-for-sale	308,900,000	801,600,000
Remaining contractual principal balance outstanding, mortgage loans held-for-investment	184,000,000	38,400,000
Non-performing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held-for-sale classified as nonaccrual	5,800,000
Mortgage loans held-for-sale classified greater than 90 days past due and still accruing	$ 44,000,000	125,500,000
Weighted Average | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Life of loans	5 years 9 months 18 days
Appraisal adjustment - cost of sale | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned, measurement input	0.10
Measured at fair value on a recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held-for-sale	$ 299,935,000	817,912,000
Loans held-for-investment	179,932,000	38,598,000
MSRs	230,225,000	147,571,000
Derivative assets	296,848,000	165,008,000
Measured at fair value on a non-recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	69,019,000
Other real estate owned	9,900,000
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	90,200,000
Level 3 | Portion at Other than Fair Value Measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	21,200,000
Level 3 | Measured at fair value on a recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held-for-sale	48,655,000	0
Loans held-for-investment	84,165,000	15,891,000
MSRs	230,225,000	147,571,000
Derivative assets	$ 1,711,000	10,560,000
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Weighted Average | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	0.1030
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Weighted Average | Mortgage loans held-for-sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0621
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Weighted Average | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0626
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Weighted Average | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.1030
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Minimum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	0.07
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Minimum | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.07
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Maximum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	0.24
Level 3 | Measured at fair value on a recurring basis: | Discount rate | Maximum | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.24
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Weighted Average | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	0.0662
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Weighted Average | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0662
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Weighted Average | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0662
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Minimum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	0
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Minimum | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Maximum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	1
Level 3 | Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) | Maximum | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	1
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Weighted Average | Mortgage loans held-for-sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0033
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Weighted Average | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.0077
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Minimum | Mortgage loans held-for-sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Minimum | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Maximum | Mortgage loans held-for-sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.12
Level 3 | Measured at fair value on a recurring basis: | Credit discount | Maximum | Loans held-for-investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	0.12
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing | Weighted Average | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	75
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing | Minimum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input | $ / shares	70
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing | Maximum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input | $ / shares	200
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Weighted Average | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input	343
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Minimum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input | $ / shares	200
Level 3 | Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Maximum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs, measurement input | $ / shares	1,000
Level 3 | Measured at fair value on a recurring basis: | Pull-through rate | Weighted Average | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivatives, measurement input	0.8612
Level 3 | Measured at fair value on a recurring basis: | Pull-through rate | Minimum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivatives, measurement input	0.35
Level 3 | Measured at fair value on a recurring basis: | Pull-through rate | Maximum | Discounted cash flows
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivatives, measurement input	1
Level 3 | Measured at fair value on a non-recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	$ 69,019,000
Other real estate owned	9,900,000
Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	168,655,000	165,594,000
Municipal securities | Measured at fair value on a recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	168,655,000	165,594,000
Municipal securities | Level 3 | Measured at fair value on a recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 117,537,000	$ 105,687,000

Fair Value of Assets and Liab_3

Fair Value of Assets and Liabilities (Summary of Balances of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 3,243,017	$ 2,327,793
Equity securities with readily determinable fair value	110,365	90,511
Loans held-for-investment	179,932	38,598
MSRs	230,225	147,571	$ 92,081	$ 85,638
U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	14,948	0
U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	74,222	52,507
Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	168,655	165,594
Measured at fair value on a recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities	1,127	90,511
Equity securities with readily determinable fair value	110,365	1,061
Mortgage loans held-for-sale	299,935	817,912
Loans held-for-investment	179,932	38,598
MSRs	230,225	147,571
Nonqualified deferred compensations assets	13,899	16,240
Derivative assets	296,848	165,008
Total financial assets	4,375,348	3,604,694
Derivative liabilities	338,078	123,000
Measured at fair value on a recurring basis: | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities	0	82,445
Equity securities with readily determinable fair value	102,299	0
Mortgage loans held-for-sale	0	0
Loans held-for-investment	0	0
MSRs	0	0
Nonqualified deferred compensations assets	0	0
Derivative assets	0	0
Total financial assets	117,247	82,445
Derivative liabilities	0	0
Measured at fair value on a recurring basis: | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities	1,127	8,066
Equity securities with readily determinable fair value	8,066	1,061
Mortgage loans held-for-sale	251,280	817,912
Loans held-for-investment	95,767	22,707
MSRs	0	0
Nonqualified deferred compensations assets	13,899	16,240
Derivative assets	295,137	154,448
Total financial assets	3,775,808	3,242,540
Derivative liabilities	338,078	123,000
Measured at fair value on a recurring basis: | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities	0	0
Equity securities with readily determinable fair value	0	0
Mortgage loans held-for-sale	48,655	0
Loans held-for-investment	84,165	15,891
MSRs	230,225	147,571
Nonqualified deferred compensations assets	0	0
Derivative assets	1,711	10,560
Total financial assets	482,293	279,709
Derivative liabilities	0	0
Measured at fair value on a recurring basis: | U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	14,948	0
Measured at fair value on a recurring basis: | U.S. Treasury | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	14,948	0
Measured at fair value on a recurring basis: | U.S. Treasury | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | U.S. Treasury | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	74,222	52,507
Measured at fair value on a recurring basis: | U.S. government agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | U.S. government agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	74,222	52,507
Measured at fair value on a recurring basis: | U.S. government agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	168,655	165,594
Measured at fair value on a recurring basis: | Municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | Municipal securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	51,118	59,907
Measured at fair value on a recurring basis: | Municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	117,537	105,687
Measured at fair value on a recurring basis: | Corporate notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	85,705	95,704
Measured at fair value on a recurring basis: | Corporate notes | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | Corporate notes | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	85,705	95,704
Measured at fair value on a recurring basis: | Corporate notes | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | Mortgage-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,899,487	2,013,988
Measured at fair value on a recurring basis: | Mortgage-backed | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Measured at fair value on a recurring basis: | Mortgage-backed | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,899,487	2,013,988
Measured at fair value on a recurring basis: | Mortgage-backed | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 0	$ 0

Fair Value of Assets and Liab_4

Fair Value of Assets and Liabilities (Summary of Changes in Level Three Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Mortgage loans held-for-sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	$ 0	$ 0
Net income	(2,749)	0
Other comprehensive income or loss	0
Purchases	0	0
Issuances	0	0
Sales	0	0
Settlements	(43,434)	0
Net transfers into/(out of) Level 3	94,838	0
Ending Balance	48,655	0
Loans held-for-investment
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	15,891	10,280
Net income	(4,177)	(293)
Other comprehensive income or loss	0	0
Purchases	0	0
Issuances	0	0
Sales	0	0
Settlements	(38,319)	(4,653)
Net transfers into/(out of) Level 3	110,770	10,557
Ending Balance	84,165	15,891
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	147,571	92,081
Net income	82,654	55,490
Other comprehensive income or loss	0	0
Purchases	0	0
Issuances	0	0
Sales	0	0
Settlements	0	0
Net transfers into/(out of) Level 3	0	0
Ending Balance	230,225	147,571
Derivative assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	10,560	48,091
Net income	(8,849)	(37,531)
Other comprehensive income or loss	0	0
Purchases	0	0
Issuances	0	0
Sales	0	0
Settlements	0	0
Net transfers into/(out of) Level 3	0	0
Ending Balance	1,711	10,560
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	105,687	109,876
Net income	0	0
Other comprehensive income or loss	(8,766)	(4,830)
Purchases	60,546	38,727
Issuances	0	0
Sales	0	0
Settlements	(39,930)	(38,086)
Net transfers into/(out of) Level 3	0	0
Ending Balance	117,537	105,687
U.S. government agencies
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	0	1,966
Net income	0	(4)
Other comprehensive income or loss	0	(24)
Purchases	0	0
Issuances	0	0
Sales	0	0
Settlements	0	(1,938)
Net transfers into/(out of) Level 3	0	0
Ending Balance	$ 0	$ 0

Fair Value of Assets and Liab_5

Fair Value of Assets and Liabilities (Summary of Assets Measured at Fair Value on a Nonrecurring Basis) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	$ 90,197	$ 93,270
Fair value losses - individually assessed loans - foreclosure probable and collateral-dependent	16,595
Fair value losses - other real estate owned	435
Fair value losses	17,030
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	90,200
Measured at fair value on a non-recurring basis:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	69,019
Other real estate owned	9,900
Total financial assets	78,919
Measured at fair value on a non-recurring basis: | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	0
Other real estate owned	0
Total financial assets	0
Measured at fair value on a non-recurring basis: | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	0
Other real estate owned	0
Total financial assets	0
Measured at fair value on a non-recurring basis: | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	69,019
Other real estate owned	9,900
Total financial assets	$ 78,919

Fair Value of Assets and Liab_6

Fair Value of Assets and Liabilities (Schedule of Valuation Techniques and Significant Unobservable Inputs Used to Measure Both Recurring and Nonrecurring) (Details)	Dec. 31, 2022 USD ($) $ / shares year	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Available-for-sale securities	$ 3,243,017,000	$ 2,327,793,000
Loans held-for-investment	179,932,000	38,598,000
MSRs	230,225,000	147,571,000	$ 92,081,000	$ 85,638,000
Individually assessed loans - foreclosure probable and collateral-dependent	90,197,000	93,270,000
Municipal securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Available-for-sale securities	168,655,000	165,594,000
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	90,200,000
Measured at fair value on a recurring basis:
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage loans held-for-sale	299,935,000	817,912,000
Loans held-for-investment	179,932,000	38,598,000
MSRs	230,225,000	147,571,000
Measured at fair value on a recurring basis: | Municipal securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Available-for-sale securities	168,655,000	165,594,000
Measured at fair value on a recurring basis: | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage loans held-for-sale	48,655,000	0
Loans held-for-investment	84,165,000	15,891,000
MSRs	230,225,000	147,571,000
Measured at fair value on a recurring basis: | Level 3 | Municipal securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Available-for-sale securities	$ 117,537,000	$ 105,687,000
Measured at fair value on a recurring basis: | Discount rate | Level 3 | Discounted cash flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans Held-for-sale, Measurement Input	0.0621
Measured at fair value on a recurring basis: | Discount rate | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0621
MSRs, measurement input	0.07
Measured at fair value on a recurring basis: | Discount rate | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0675
MSRs, measurement input	0.24
Measured at fair value on a recurring basis: | Discount rate | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0626
MSRs, measurement input	0.1030
Loans Held-for-sale, Measurement Input	0.0621
Measured at fair value on a recurring basis: | Credit discount | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0
Loans Held-for-sale, Measurement Input	0
Measured at fair value on a recurring basis: | Credit discount | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.12
Loans Held-for-sale, Measurement Input	0.12
Measured at fair value on a recurring basis: | Credit discount | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0077
Loans Held-for-sale, Measurement Input	0.0033
Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) - current loans | Level 3 | Discounted cash flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0662
Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) - current loans | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input	0
Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) - current loans | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input	1
Measured at fair value on a recurring basis: | Constant prepayment rate (CPR) - current loans | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input	0.0662
MSRs, measurement input	0.0662
Measured at fair value on a recurring basis: | Average life - delinquent loans (in years) | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input | year	1.4
Measured at fair value on a recurring basis: | Average life - delinquent loans (in years) | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input | year	10
Measured at fair value on a recurring basis: | Average life - delinquent loans (in years) | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held-for-investment, measurement input | year	5.8
Measured at fair value on a recurring basis: | Cost of servicing | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input | $ / shares	70
Measured at fair value on a recurring basis: | Cost of servicing | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input | $ / shares	200
Measured at fair value on a recurring basis: | Cost of servicing | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input	75
Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input | $ / shares	200
Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input | $ / shares	1,000
Measured at fair value on a recurring basis: | Cost of servicing - delinquent | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
MSRs, measurement input	343
Measured at fair value on a recurring basis: | Pull-through rate | Level 3 | Discounted cash flows | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivatives, measurement input	0.35
Measured at fair value on a recurring basis: | Pull-through rate | Level 3 | Discounted cash flows | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivatives, measurement input	1
Measured at fair value on a recurring basis: | Pull-through rate | Level 3 | Discounted cash flows | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivatives, measurement input	0.8612
Measured at fair value on a non-recurring basis:
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	$ 69,019,000
Other real estate owned	9,900,000
Measured at fair value on a non-recurring basis: | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually assessed loans - foreclosure probable and collateral-dependent	69,019,000
Other real estate owned	$ 9,900,000
Measured at fair value on a non-recurring basis: | Appraisal adjustment - cost of sale | Level 3 | Appraisal value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans - collateral based, measurement input	0.10
Other real estate owned, measurement input	0.10
Measured at fair value on a non-recurring basis: | Appraisal adjustment - cost of sale | Level 3 | Appraisal value | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans - collateral based, measurement input	0.1000
Other real estate owned, measurement input	0.1000

Fair Value of Assets and Liab_7

Fair Value of Assets and Liabilities (Summary of Carrying Amounts and Estimated Fair Values of Financial Instruments) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Financial Assets:
Securities sold under agreements to repurchase with original maturities exceeding three months	$ 0	$ 700,000,000
Interest-bearing deposits with banks	1,988,719,000	5,372,603,000
Available-for-sale securities	3,243,017,000	2,327,793,000
Held-to-maturity securities	2,949,821,000	2,900,694,000
Equity securities with readily determinable fair value	110,365,000	90,511,000
FHLB and FRB stock, at cost	224,759,000	135,378,000
Brokerage customer receivables	16,387,000	26,068,000
Mortgage loans held-for-sale, at fair value	299,935,000	817,912,000
Accrued interest receivable and other assets	1,391,342,000	1,084,115,000
Financial Liabilities:
Federal Home Loan Bank advances	2,316,071,000	1,241,071,000
Other borrowings	596,614,000	494,136,000
Subordinated notes	437,392,000	436,938,000
Junior subordinated debentures	253,566,000	253,566,000
Carrying Value
Financial Assets:
Cash and cash equivalents	490,966,000	411,205,000
Securities sold under agreements to repurchase with original maturities exceeding three months	0	700,000,000
Interest-bearing deposits with banks	1,988,719,000	5,372,603,000
Available-for-sale securities	3,243,017,000	2,327,793,000
Held-to-maturity securities	3,640,567,000	2,942,285,000
Trading account securities	1,127,000	1,061,000
Equity securities with readily determinable fair value	110,365,000	90,511,000
FHLB and FRB stock, at cost	224,759,000	135,378,000
Brokerage customer receivables	16,387,000	26,068,000
Mortgage loans held-for-sale, at fair value	299,935,000	817,912,000
Nonqualified deferred compensation assets	13,899,000	16,240,000
Derivative assets	296,848,000	165,008,000
Accrued interest receivable and other assets	379,719,000	268,921,000
Total financial assets	49,902,793,000	48,064,089,000
Financial Liabilities:
Non-maturity deposits	38,167,409,000	38,126,796,000
Deposits with stated maturities	4,735,135,000	3,968,789,000
Federal Home Loan Bank advances	2,316,071,000	1,241,071,000
Other borrowings	596,614,000	494,136,000
Subordinated notes	437,392,000	436,938,000
Junior subordinated debentures	253,566,000	253,566,000
Derivative liabilities	338,078,000	123,000,000
Accrued interest payable	22,176,000	9,304,000
Total financial liabilities	46,866,441,000	44,653,600,000
Carrying Value | Loans held-for-investment, at fair value
Financial Assets:
Loans held-for-investment	179,932,000	38,598,000
Carrying Value | Loans held-for-investment, at amortized cost
Financial Assets:
Loans held-for-investment	39,016,553,000	34,750,506,000
Fair Value
Financial Assets:
Cash and cash equivalents	490,966,000	411,205,000
Securities sold under agreements to repurchase with original maturities exceeding three months	0	700,000,000
Interest-bearing deposits with banks	1,988,719,000	5,372,603,000
Available-for-sale securities	3,243,017,000	2,327,793,000
Trading account securities	1,127,000	1,061,000
Equity securities with readily determinable fair value	110,365,000	90,511,000
FHLB and FRB stock, at cost	224,759,000	135,378,000
Brokerage customer receivables	16,387,000	26,068,000
Mortgage loans held-for-sale, at fair value	299,935,000	817,912,000
Nonqualified deferred compensation assets	13,899,000	16,240,000
Derivative assets	296,848,000	165,008,000
Accrued interest receivable and other assets	379,719,000	268,921,000
Total financial assets	48,214,172,000	48,569,870,000
Financial Liabilities:
Non-maturity deposits	38,167,409,000	38,126,796,000
Deposits with stated maturities	4,085,058,000	3,965,372,000
Federal Home Loan Bank advances	2,219,983,000	1,186,280,000
Other borrowings	569,342,000	494,670,000
Subordinated notes	409,395,000	472,684,000
Junior subordinated debentures	253,405,000	212,226,000
Derivative liabilities	338,078,000	123,000,000
Accrued interest payable	22,176,000	9,304,000
Total financial liabilities	46,064,846,000	44,590,332,000
Fair Value | Loans held-for-investment, at fair value
Financial Assets:
Loans held-for-investment	179,932,000	38,598,000
Fair Value | Loans held-for-investment, at amortized cost
Financial Assets:
Loans held-for-investment	$ 38,018,678,000	$ 35,297,878,000

Shareholders' Equity (Summary o

Shareholders' Equity (Summary of the Company's Common and Preferred Stock) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Common Stock:
Shares authorized (in shares)	100,000,000	100,000,000
Shares issued (in shares)	60,797,270	58,891,780
Shares outstanding (in shares)	60,794,008	57,054,091
Cash dividend per share (in usd per share)	$ 1.36	$ 1.24
Preferred Stock:
Shares authorized (in shares)	20,000,000	20,000,000
Shares issued (in shares)	5,011,500	5,011,500
Shares outstanding (in shares)	5,011,500	5,011,500

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Detail) $ / shares in Units, $ in Millions	1 Months Ended				12 Months Ended
	Jan. 31, 2023 $ / shares	Jun. 30, 2022 USD ($) shares	May 31, 2020 USD ($) $ / shares shares	Jun. 30, 2015 USD ($) $ / shares shares	Dec. 31, 2023 $ / shares	Dec. 31, 2022 $ / shares	Dec. 31, 2021 $ / shares	Dec. 31, 2020 $ / shares
Temporary Equity [Line Items]
Cash dividends declared per common share (usd per share)						$ 1.36	$ 1.24	$ 1.12
Forecast
Temporary Equity [Line Items]
Cash dividends declared per common share (usd per share)					$ 1.60
Subsequent Event
Temporary Equity [Line Items]
Cash dividends declared per common share (usd per share)	$ 0.40
Series D Preferred Stock
Temporary Equity [Line Items]
Sale of stock (in shares) | shares				5,000,000
Sale of stock, proceeds | $				$ 125
Preferred stock, liquidation value per share (usd per share)				$ 25		$ 25	25
Preferred stock, dividend rate				6.50%
Series D Preferred Stock | London Interbank Offered Rate (LIBOR)
Temporary Equity [Line Items]
Preferred stock, dividend rate, variable spread				4.06%
Series D Preferred Stock | Secured Overnight Financing Rate (SOFR)
Temporary Equity [Line Items]
Preferred stock, dividend rate, variable spread						4.06%
Dividend rate, spread on floating rate						0.0026161
Series E Preferred Stock
Temporary Equity [Line Items]
Sale of stock (in shares) | shares			11,500
Sale of stock, proceeds | $			$ 287.5
Preferred stock, liquidation value per share (usd per share)			$ 25,000			$ 25,000	$ 25,000
Preferred stock, dividend rate			6.875%
Series E Preferred Stock | US Treasury (UST) Interest Rate
Temporary Equity [Line Items]
Dividend rate, spread on floating rate			0.06507
Depositary shares
Temporary Equity [Line Items]
Sale of stock (in shares) | shares			11,500,000
Ratio of preferred stock to depositary shares			0.001
Public Offering | Common stock
Temporary Equity [Line Items]
Sale of stock (in shares) | shares		3,450,000
Sale of stock, proceeds | $		$ 285.7

Shareholders' Equity (Component

Shareholders' Equity (Components of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Activity Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	$ 4,498,688	$ 4,115,995	$ 3,691,250
Other comprehensive loss during the period, net of tax, before reclassifications	(428,844)	(30,043)	36,843
Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax	(2,756)	18,930	13,386
Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax	(128)	(177)	(169)
Total other comprehensive (loss) income	(431,728)	(11,290)	50,060
Balance at end of period	4,796,838	4,498,688	4,115,995
Accumulated Unrealized Gains (Losses) on Securities
Activity Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	8,724	70,737	14,982
Other comprehensive loss during the period, net of tax, before reclassifications	(394,332)	(61,047)	56,086
Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax	(321)	(789)	(162)
Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax	(128)	(177)	(169)
Total other comprehensive (loss) income	(394,781)	(62,013)	55,755
Balance at end of period	(386,057)	8,724	70,737
Accumulated unrealized gains (losses) on derivative instruments
Activity Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	27,111	(23,090)	(13,141)
Other comprehensive loss during the period, net of tax, before reclassifications	(17,295)	30,482	(23,497)
Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax	(2,435)	19,719	13,548
Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax	0	0	0
Total other comprehensive (loss) income	(19,730)	50,201	(9,949)
Balance at end of period	7,381	27,111	(23,090)
Accumulated Foreign Currency Translation Adjustments
Activity Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(31,743)	(32,265)	(36,519)
Other comprehensive loss during the period, net of tax, before reclassifications	(17,217)	522	4,254
Amount reclassified from accumulated other comprehensive income or loss into net income, net of tax	0	0	0
Amount reclassified from accumulated other comprehensive income or loss related to amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale, net of tax	0	0	0
Total other comprehensive (loss) income	(17,217)	522	4,254
Balance at end of period	(48,960)	(31,743)	(32,265)
Total Accumulated Other Comprehensive Income (Loss)
Activity Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	4,092	15,382	(34,678)
Balance at end of period	$ (427,636)	$ 4,092	$ 15,382

Shareholders' Equity (Reclassif

Shareholders' Equity (Reclassification from Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains (losses) on investment securities, net	$ 439	$ 1,079	$ 221
Income tax expense	190,873	171,645	96,791
Interest on deposits	175,202	88,119	189,178
Interest on junior subordinated debentures	10,252	10,916	11,008
Net income	509,682	466,151	$ 292,990
Reclassification out of Accumulated Other Comprehensive Income | Accumulated unrealized gains on available-for-sale securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains (losses) on investment securities, net	439	1,079
Income before taxes	439	1,079
Income tax expense	(118)	(290)
Net income	321	789
Reclassification out of Accumulated Other Comprehensive Income | Accumulated unrealized gains (losses) on derivative instruments
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income before taxes	3,319	(26,883)
Income tax expense	(884)	7,164
Interest on loans	1,443	0
Interest on deposits	(5,675)	19,640
Interest on other borrowings	913	2,560
Interest on junior subordinated debentures	0	4,683
Net income	$ 2,435	$ (19,719)

Segment Information (Narrative)

Segment Information (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 segment subsidiary
Segment Reporting Information [Line Items]
Number of reportable segments	3
Number of subsidiaries | subsidiary	15
Community Banking
Segment Reporting Information [Line Items]
Number of reportable segments	1

Segment Information (Summary of

Segment Information (Summary of Certain Operating Information For Reportable Segments) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting Information [Line Items]
Net interest income	$ 1,495,362	$ 1,124,957	$ 1,039,907
Provision for credit losses	78,589	(59,263)	214,220
Non-interest income	461,053	586,120	604,189
Non-interest expense	1,177,271	1,132,544	1,040,095
Income tax expense	190,873	171,645	96,791
Net income	509,682	466,151	292,990
Total assets at end of year	52,949,649	50,142,143	45,080,768
Operating Segments
Segment Reporting Information [Line Items]
Net interest income	1,465,183	1,098,374	1,016,080
Provision for credit losses	78,589	(59,263)	214,220
Non-interest income	520,882	647,471	658,893
Non-interest expense	1,206,921	1,167,312	1,070,972
Income tax expense	190,873	171,645	96,791
Net income	509,682	466,151	292,990
Total assets at end of year	52,949,649	50,142,143	45,080,768
Operating Segments | Community Banking
Segment Reporting Information [Line Items]
Net interest income	1,180,198	868,477	808,443
Provision for credit losses	74,184	(60,309)	206,774
Non-interest income	298,572	422,698	469,187
Non-interest expense	926,298	912,296	855,797
Income tax expense	128,939	120,092	51,439
Net income	349,349	319,096	163,620
Total assets at end of year	41,368,200	40,253,818	36,769,640
Operating Segments | Specialty Finance
Segment Reporting Information [Line Items]
Net interest income	246,681	197,958	177,025
Provision for credit losses	4,405	1,046	7,446
Non-interest income	97,701	95,822	86,268
Non-interest expense	172,784	143,526	118,560
Income tax expense	46,286	40,040	36,956
Net income	120,907	109,168	100,331
Total assets at end of year	9,826,254	8,382,722	7,015,590
Operating Segments | Wealth Management
Segment Reporting Information [Line Items]
Net interest income	38,304	31,939	30,612
Provision for credit losses	0	0	0
Non-interest income	124,609	128,951	103,438
Non-interest expense	107,839	111,490	96,615
Income tax expense	15,648	11,513	8,396
Net income	39,426	37,887	29,039
Total assets at end of year	1,755,195	1,505,603	1,295,538
Intersegment Eliminations
Segment Reporting Information [Line Items]
Net interest income	30,179	26,583	23,827
Provision for credit losses	0	0	0
Non-interest income	(59,829)	(61,351)	(54,704)
Non-interest expense	(29,650)	(34,768)	(30,877)
Income tax expense	0	0	0
Net income	0	0	0
Total assets at end of year	$ 0	$ 0	$ 0

Condensed Parent Company Fina_3

Condensed Parent Company Financial Statements (Statements of Financial Condition) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 490,908	$ 411,150
Goodwill	653,524	655,149
Total assets	52,949,649	50,142,143	$ 45,080,768
Liabilities and Shareholders’ Equity
Subordinated notes	437,392	436,938
Other borrowings	596,614	494,136
Junior Subordinated Debentures	253,566	253,566
Shareholders’ equity	4,796,838	4,498,688	$ 4,115,995	$ 3,691,250
Total liabilities and shareholders’ equity	52,949,649	50,142,143
Reportable Legal Entities | Parent Company
Assets
Cash and due from banks	266,350	181,157
Available-for-sale debt securities and equity securities with readily determinable fair value	14,771	17,089
Investment in and receivable from subsidiaries	5,282,530	4,966,720
Goodwill	8,371	8,371
Other assets	360,309	354,148
Total assets	5,932,331	5,527,485
Liabilities and Shareholders’ Equity
Other liabilities	183,475	194,681
Subordinated notes	437,392	436,938
Other borrowings	261,060	143,612
Junior Subordinated Debentures	253,566	253,566
Shareholders’ equity	4,796,838	4,498,688
Total liabilities and shareholders’ equity	$ 5,932,331	$ 5,527,485

Condensed Parent Company Fina_4

Condensed Parent Company Financial Statements (Statements Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income
Other (losses) income	$ 160,600	$ 95,286	$ 99,634
Expenses
Interest expense	252,081	150,527	253,113
Salaries and employee benefits	696,107	691,669	626,076
(Loss) income before income taxes and equity in undistributed income of subsidiaries	700,555	637,796	389,781
Income tax benefit	(190,873)	(171,645)	(96,791)
Net income	509,682	466,151	292,990
Reportable Legal Entities | Parent Company
Income
Dividends and other revenue from subsidiaries	120,151	211,774	317,839
Other (losses) income	(12,969)	2,763	(1,890)
Total income	107,182	214,537	315,949
Expenses
Interest expense	36,522	38,293	39,581
Salaries and employee benefits	138,466	109,142	75,179
Other expenses	155,744	139,816	113,886
Total expenses	330,732	287,251	228,646
(Loss) income before income taxes and equity in undistributed income of subsidiaries	(223,550)	(72,714)	87,303
Income tax benefit	70,490	56,529	42,745
(Loss) income before equity in undistributed net income of subsidiaries	(153,060)	(16,185)	130,048
Equity in undistributed net income of subsidiaries	662,742	482,336	162,942
Net income	$ 509,682	$ 466,151	$ 292,990

Condensed Parent Company Fina_5

Condensed Parent Company Financial Statements (Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating Activities:
Net income	$ 509,682	$ 466,151	$ 292,990
Adjustments to reconcile net income to net cash provided by operating activities
Losses (gains) on available-for-sale debt securities and equity securities with readily determinable fair value, net	20,427	1,059	2,373
Depreciation and amortization	82,070	101,797	96,369
Deferred income tax (benefit) expense	22,057	(2,861)	(4,058)
Stock-based compensation expense	31,748	16,177	(4,938)
(Increase) decrease in other assets	(91,585)	187,743	(131,870)
(Decrease) increase in other liabilities	377,396	78,475	46,924
Net Cash Provided by (Used for) Operating Activities	1,375,000	1,130,872	(518,465)
Investing Activities:
Net Cash Used for Investing Activities	(3,490,769)	(5,928,859)	(7,182,424)
Financing Activities:
Increase (decrease) in subordinated notes, other borrowings and junior subordinated debentures, net	125,135	(27,784)	88,596
Proceeds from the issuance of common stock, net	285,729	0	0
Proceeds from the issuance of preferred stock, net	0	0	277,613
Issuance of common shares resulting from exercise of stock options and employee stock purchase plan	11,233	19,824	15,059
Dividends paid	(108,210)	(98,629)	(85,890)
Common stock repurchases under authorized program	0	(9,540)	(92,055)
Common stock repurchases for tax withholdings related to stock-based compensation	(304)	0	(1,377)
Net Cash Provided by Financing Activities	2,195,530	4,886,718	7,736,887
Net Increase in Cash and Cash Equivalents	79,761	88,731	35,998
Cash and Cash Equivalents at Beginning of Period	411,205	322,474	286,476
Cash and Cash Equivalents at End of Period	490,966	411,205	322,474
Reportable Legal Entities | Parent Company
Operating Activities:
Net income	509,682	466,151	292,990
Adjustments to reconcile net income to net cash provided by operating activities
Losses (gains) on available-for-sale debt securities and equity securities with readily determinable fair value, net	7,018	(1,794)	(192)
Depreciation and amortization	27,642	28,783	22,224
Deferred income tax (benefit) expense	(2,773)	(5,350)	11,336
Stock-based compensation expense	13,632	6,769	(2,813)
(Increase) decrease in other assets	(7,116)	6,598	4,838
(Decrease) increase in other liabilities	(6,107)	1,225	2,388
Equity in undistributed net income of subsidiaries	(662,742)	(482,336)	(162,942)
Net Cash Provided by (Used for) Operating Activities	(120,764)	20,046	167,829
Investing Activities:
Capital contributions to subsidiaries, net	(69,000)	(27,000)	(12,000)
Other investing activity, net	(30,872)	(22,877)	(40,127)
Net Cash Used for Investing Activities	(99,872)	(49,877)	(52,127)
Financing Activities:
Increase (decrease) in subordinated notes, other borrowings and junior subordinated debentures, net	117,381	(23,274)	(2,690)
Proceeds from the issuance of common stock, net	285,729	0	0
Proceeds from the issuance of preferred stock, net	0	0	277,613
Issuance of common shares resulting from exercise of stock options and employee stock purchase plan	11,233	19,824	15,059
Dividends paid	(108,210)	(98,629)	(85,890)
Common stock repurchases under authorized program	0	(9,540)	(92,055)
Common stock repurchases for tax withholdings related to stock-based compensation	(304)	0	(1,377)
Net Cash Provided by Financing Activities	305,829	(111,619)	110,660
Net Increase in Cash and Cash Equivalents	85,193	(141,450)	226,362
Cash and Cash Equivalents at Beginning of Period	181,157	322,607	96,245
Cash and Cash Equivalents at End of Period	$ 266,350	$ 181,157	$ 322,607

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share [Abstract]
Net income	$ 509,682	$ 466,151	$ 292,990
Less: Preferred stock dividends	27,964	27,964	21,377
Net income applicable to common shares	$ 481,718	$ 438,187	$ 271,613
Weighted average common shares outstanding (in shares)	59,205	56,994	57,523
Effect of dilutive potential common shares:
Common stock equivalents (in shares)	886	792	496
Weighted average common shares and effect of dilutive potential common shares (in shares)	60,091	57,786	58,019
Net income per common share:
Basic (usd per share)	$ 8.14	$ 7.69	$ 4.72
Diluted (usd per share)	$ 8.02	$ 7.58	$ 4.68

Uncategorized Items - wtfc-2022

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]