Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2024

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, 2024 and 2023:

	2024		2023
Total capital to risk weighted assets	12.3	%	12.1	%
Tier 1 capital to risk weighted assets	10.7		10.3
Common Equity Tier 1 capital to risk weighted assets	9.9		9.4
Tier 1 Leverage Ratio	9.4		9.3

Schedule of Actual Capital Amounts and Ratios

The banks’ actual capital amounts and ratios as of December 31, 2024 and 2023 are presented in the following table:

	December 31, 2024								December 31, 2023
	Actual				To Be Well Capitalized by Regulatory Definition				Actual				To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk Weighted Assets):
Lake Forest Bank	$	857,438	11.8	%	$	728,358	10.0	%	$	852,471	12.5	%	$	683,460	10.0	%
Hinsdale Bank	543,925		11.9		458,046		10.0		478,606		11.8		407,428		10.0
Wintrust Bank	1,164,532		12.7		915,950		10.0		1,115,527		11.9		938,320		10.0
Libertyville Bank	276,568		11.8		234,181		10.0		272,241		12.3		221,509		10.0
Barrington Bank	472,428		11.4		413,497		10.0		431,663		11.6		372,989		10.0
Crystal Lake Bank	187,820		11.8		159,314		10.0		181,916		12.7		143,786		10.0
Northbrook Bank	502,434		11.3		446,536		10.0		474,973		12.3		385,619		10.0
Macatawa	307,829		16.3		189,233		10.0		NA		NA		NA		10.0
Schaumburg Bank	229,770		12.2		187,982		10.0		203,127		11.3		179,670		10.0
Village Bank	310,037		11.5		270,656		10.0		278,437		11.9		233,112		10.0
Beverly Bank	265,590		12.5		213,222		10.0		239,374		11.5		207,604		10.0
Town Bank	387,911		11.4		340,161		10.0		352,266		11.7		301,424		10.0
Wheaton Bank	347,365		11.4		304,003		10.0		317,491		11.5		275,018		10.0
State Bank of the Lakes	213,869		11.6		184,932		10.0		197,243		11.9		165,218		10.0
Old Plank Trail Bank	271,641		11.3		241,562		10.0		240,694		11.3		212,258		10.0
St. Charles Bank	291,380		11.2		259,615		10.0		250,964		11.5		218,403		10.0
Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank	$	807,848	11.1	%	$	582,687	8.0	%	$	804,011	11.8	%	$	546,768	8.0	%
Hinsdale Bank	512,323		11.2		366,437		8.0		447,075		11.0		325,943		8.0
Wintrust Bank	1,069,171		11.7		732,760		8.0		1,009,631		10.8		750,656		8.0
Libertyville Bank	258,709		11.1		187,345		8.0		253,576		11.5		177,207		8.0
Barrington Bank	453,022		11.0		330,798		8.0		416,070		11.2		298,392		8.0
Crystal Lake Bank	176,144		11.1		127,451		8.0		170,670		11.9		115,029		8.0
Northbrook Bank	473,065		10.6		357,229		8.0		441,563		11.5		308,496		8.0
Macatawa	293,541		15.5		151,387		8.0		NA		NA		NA		8.0
Schaumburg Bank	216,675		11.5		150,386		8.0		190,280		10.6		143,736		8.0
Village Bank	286,808		10.6		216,524		8.0		255,649		11.0		186,489		8.0
Beverly Bank	246,565		11.6		170,578		8.0		221,548		10.7		166,083		8.0
Town Bank	366,265		10.8		272,129		8.0		334,086		11.1		241,139		8.0
Wheaton Bank	323,221		10.6		243,202		8.0		296,134		10.8		220,014		8.0
State Bank of the Lakes	203,972		11.0		147,946		8.0		189,197		11.5		132,174		8.0
Old Plank Trail Bank	255,788		10.6		193,249		8.0		227,759		10.7		169,806		8.0
St. Charles Bank	270,446		10.4		207,692		8.0		233,651		10.7		174,722		8.0
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank	$	807,848	11.1	%	$	473,433	6.5	%	$	804,011	11.8	%	$	444,249	6.5	%
Hinsdale Bank	512,323		11.2		297,730		6.5		447,075		11.0		264,828		6.5
Wintrust Bank	1,069,171		11.7		595,367		6.5		1,009,631		10.8		609,908		6.5
Libertyville Bank	258,709		11.1		152,218		6.5		253,576		11.5		143,981		6.5
Barrington Bank	453,022		11.0		268,773		6.5		416,070		11.2		242,443		6.5
Crystal Lake Bank	176,144		11.1		103,554		6.5		170,670		11.9		93,461		6.5
Northbrook Bank	473,065		10.6		290,248		6.5		441,563		11.5		250,653		6.5
Macatawa	293,541		15.5		123,002		6.5		NA		NA		NA		6.5
Schaumburg Bank	216,675		11.5		122,188		6.5		190,280		10.6		116,786		6.5
Village Bank	286,808		10.6		175,926		6.5		255,649		11.0		151,523		6.5
Beverly Bank	246,565		11.6		138,594		6.5		221,548		10.7		134,942		6.5
Town Bank	366,265		10.8		221,105		6.5		334,086		11.1		195,926		6.5
Wheaton Bank	323,221		10.6		197,602		6.5		296,134		10.8		178,762		6.5
State Bank of the Lakes	203,972		11.0		120,206		6.5		189,197		11.5		107,392		6.5
Old Plank Trail Bank	255,788		10.6		157,015		6.5		227,759		10.7		137,968		6.5
St. Charles Bank	270,446		10.4		168,750		6.5		233,651		10.7		141,962		6.5

	December 31, 2024								December 31, 2023
	Actual				To Be Well Capitalized by Regulatory Definition				Actual				To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 Leverage Ratio:
Lake Forest Bank	$	807,848	9.7	%	$	416,233	5.0	%	$	804,011	9.9	%	$	404,942	5.0	%
Hinsdale Bank	512,323		9.6		266,427		5.0		447,075		9.4		238,724		5.0
Wintrust Bank	1,069,171		11.1		479,667		5.0		1,009,631		10.8		467,712		5.0
Libertyville Bank	258,709		9.5		136,451		5.0		253,576		9.7		130,396		5.0
Barrington Bank	453,022		10.7		212,429		5.0		416,070		10.8		192,589		5.0
Crystal Lake Bank	176,144		9.8		89,519		5.0		170,670		10.0		85,280		5.0
Northbrook Bank	473,065		9.2		256,737		5.0		441,563		9.9		222,668		5.0
Macatawa	293,541		10.1		144,975		5.0		NA		NA		NA		5.0
Schaumburg Bank	216,675		10.0		108,031		5.0		190,280		9.4		101,620		5.0
Village Bank	286,808		9.6		149,062		5.0		255,649		9.8		129,995		5.0
Beverly Bank	246,565		10.1		122,295		5.0		221,548		10.0		110,741		5.0
Town Bank	366,265		8.9		205,847		5.0		334,086		9.1		183,077		5.0
Wheaton Bank	323,221		9.1		178,254		5.0		296,134		9.4		157,056		5.0
State Bank of the Lakes	203,972		9.8		104,067		5.0		189,197		9.9		95,551		5.0
Old Plank Trail Bank	255,788		8.9		143,480		5.0		227,759		9.0		127,250		5.0
St. Charles Bank	270,446		9.3		144,886		5.0		233,651		9.5		122,638		5.0