Wintrust Financial Corporation is an Illinois-based financial holding company that operates multiple banking subsidiaries across the Chicago, Wisconsin, Indiana, and Michigan regions, providing a broad range of financial services to individuals and businesses. The company's primary business is community banking, through which it offers deposits, consumer and commercial loans, residential mortgages, and treasury management services, differentiated by its MaxSafe® deposit product that leverages its multi-bank structure for expanded FDIC insurance coverage; it also operates specialty finance divisions providing insurance premium financing, equipment leasing, and accounts receivable financing on a national and international basis, as well as wealth management services including trust, investment management, and tax-deferred exchange services. Wintrust generates revenue from net interest income on its lending and deposit operations, fees from specialty finance and wealth management services, and gains from loan originations, competing on the basis of its substantial asset base, diversified product offerings, local decision-making capabilities, and investments in digital banking technology.