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  <xs:element id="wtfc_PaymentsToAcquireEquitySecuritiesWithoutReadilyDeterminableFairValue" abstract="false" name="PaymentsToAcquireEquitySecuritiesWithoutReadilyDeterminableFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_PaymentsForProceedsFromFederalHomeLoanAndFederalReserveBankStock" abstract="false" name="PaymentsForProceedsFromFederalHomeLoanAndFederalReserveBankStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ProceedsPaymentsOfPropertyPlantAndEquipmentNet" abstract="false" name="ProceedsPaymentsOfPropertyPlantAndEquipmentNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_IssuanceOfCommonSharesResultingFromExerciseOfShareBasedCompensationAwards" abstract="false" name="IssuanceOfCommonSharesResultingFromExerciseOfShareBasedCompensationAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_JuniorSubordinatedDebenturesTextBlock" abstract="false" name="JuniorSubordinatedDebenturesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="wtfc_AllowanceForCreditLossesTableTextBlock" abstract="false" name="AllowanceForCreditLossesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="wtfc_SummaryOfDepositsTableTextBlock" abstract="false" name="SummaryOfDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="wtfc_MacatawaBankCorporationMember" abstract="true" name="MacatawaBankCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_BusinessAcquisitionNumberOfCommonStockSharesIssuedForEachShareOfAcquireeStock" abstract="false" name="BusinessAcquisitionNumberOfCommonStockSharesIssuedForEachShareOfAcquireeStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="wtfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableUnamortizedPurchasePremiumDiscount" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableUnamortizedPurchasePremiumDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMarketableSecuritiesUnamortizedPurchasePremiumDiscount" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMarketableSecuritiesUnamortizedPurchasePremiumDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_CorporateFinancialDebtSecuritiesMember" abstract="true" name="CorporateFinancialDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_CorporateOtherDebtSecuritiesMember" abstract="true" name="CorporateOtherDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MortgageBackedSecuritiesSubprimeMember" abstract="true" name="MortgageBackedSecuritiesSubprimeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_EquitySecuritiesFVNIAccumulatedUnrealizedGain" abstract="false" name="EquitySecuritiesFVNIAccumulatedUnrealizedGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_EquitySecuritiesFVNIAccumulatedUnrealizedLoss" abstract="false" name="EquitySecuritiesFVNIAccumulatedUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_SecuritiesByASingleNonGovernmentSponsoredIssuerExceedingTenPercentOfShareholdersEquity" abstract="false" name="SecuritiesByASingleNonGovernmentSponsoredIssuerExceedingTenPercentOfShareholdersEquity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wtfc_MarketableSecuritiesGrossRealizedGainsExcludingOtherThanTemporaryImpairments" abstract="false" name="MarketableSecuritiesGrossRealizedGainsExcludingOtherThanTemporaryImpairments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_MarketableSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" abstract="false" name="MarketableSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_LoansTable" abstract="true" name="LoansTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="wtfc_HomeEquityPortfolioSegmentMember" abstract="true" name="HomeEquityPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PremiumFinanceReceivablePortfolioSegmentMember" abstract="true" name="PremiumFinanceReceivablePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PropertyAndCasualtyInsuranceLoansMember" abstract="true" name="PropertyAndCasualtyInsuranceLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PremiumFinanceReceivablesLifeInsuranceMember" abstract="true" name="PremiumFinanceReceivablesLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansLineItems" abstract="true" name="LoansLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wtfc_PercentageOfLoansAndLeasesReceivableGrossCarryingAmount" abstract="false" name="PercentageOfLoansAndLeasesReceivableGrossCarryingAmount" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wtfc_OtherRealEstateForeclosedAssetsAndRepossessedAssetsInProcess" abstract="false" name="OtherRealEstateForeclosedAssetsAndRepossessedAssetsInProcess" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ConsumerAndOtherPortfolioSegmentMember" abstract="true" name="ConsumerAndOtherPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember" abstract="true" name="TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_NonConstructionLoansMember" abstract="true" name="NonConstructionLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember" abstract="true" name="ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LifeInsuranceLoansMember" abstract="true" name="LifeInsuranceLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_EarlyBuyOutLoansMember" abstract="true" name="EarlyBuyOutLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_CommercialIndustrialAndOtherPortfolioSegmentMember" abstract="true" name="CommercialIndustrialAndOtherPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ConstructionAndDevelopmentPortfolioSegmentMember" abstract="true" name="ConstructionAndDevelopmentPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_NonConstructionPortfolioSegmentMember" abstract="true" name="NonConstructionPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember" abstract="true" name="PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PremiumLifeInsurancePortfolioSegmentMember" abstract="true" name="PremiumLifeInsurancePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InternalInvestmentGrade1To4Member" abstract="true" name="InternalInvestmentGrade1To4Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InternalInvestmentGrade5To7Member" abstract="true" name="InternalInvestmentGrade5To7Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InternalInvestmentGrade8To10Member" abstract="true" name="InternalInvestmentGrade8To10Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember" abstract="true" name="LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_AllowanceForCreditLossExcludingAccruedInterest" abstract="false" name="AllowanceForCreditLossExcludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_FinancingReceivableAllowanceForCreditLossesOtherAdjustmentsExpenseBenefit" abstract="false" name="FinancingReceivableAllowanceForCreditLossesOtherAdjustmentsExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" abstract="false" name="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairments" abstract="false" name="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_LoansHeldForInvestmentFairValueDisclosure" abstract="false" name="LoansHeldForInvestmentFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_InterestOnlyPaymentsMember" abstract="true" name="InterestOnlyPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ExtendedMaturityAndContractualInterestRateReductionMember" abstract="true" name="ExtendedMaturityAndContractualInterestRateReductionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_PaymentDeferralReportedPeriodTwoMember" abstract="true" name="PaymentDeferralReportedPeriodTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_CommercialIndustrialAndOtherLoansMember" abstract="true" name="CommercialIndustrialAndOtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_CommunityBankingSegmentMember" abstract="true" name="CommunityBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_SpecialtyFinanceSegmentMember" abstract="true" name="SpecialtyFinanceSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_WealthManagementSegmentMember" abstract="true" name="WealthManagementSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_CustomerListAndOtherIntangiblesMember" abstract="true" name="CustomerListAndOtherIntangiblesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ServicingAssetsAtFairValueAdditionsFromLoansSoldWithServicingRetained" abstract="false" name="ServicingAssetsAtFairValueAdditionsFromLoansSoldWithServicingRetained" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_WealthManagementDeposits" abstract="false" name="WealthManagementDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_NonInterestBearingDepositsPercentage" abstract="false" name="NonInterestBearingDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wtfc_NegotiableOrderOfWithdrawalAndInterestBearingDemandDepositsPercentage" abstract="false" name="NegotiableOrderOfWithdrawalAndInterestBearingDemandDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wtfc_WealthManagementDepositsPercentage" abstract="false" name="WealthManagementDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wtfc_DepositsPercentage" abstract="false" name="DepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wtfc_DebtCurrentAndNoncurrent" abstract="false" name="DebtCurrentAndNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ReceivablesPurchaseAgreementMember" abstract="true" name="ReceivablesPurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_SubordinatedDebt485MaturingJune2029Member" abstract="true" name="SubordinatedDebt485MaturingJune2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_NumberOfSubsidiaries" abstract="false" name="NumberOfSubsidiaries" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wtfc_SubsidiariesConsolidatedIntoNumberOfSegments" abstract="false" name="SubsidiariesConsolidatedIntoNumberOfSegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wtfc_CommissionsAndIncentiveCompensation" abstract="false" name="CommissionsAndIncentiveCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_EmployeeBenefits" abstract="false" name="EmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ForwardCommitmentsToSellMortgageLoansMember" abstract="true" name="ForwardCommitmentsToSellMortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_FloorRateMember" abstract="true" name="FloorRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateCollarsMember" abstract="true" name="InterestRateCollarsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateSwapsMember" abstract="true" name="InterestRateSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateSwapTerminatedMember" abstract="true" name="InterestRateSwapTerminatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateSwapAndCollarMember" abstract="true" name="InterestRateSwapAndCollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateContractQualifiedBorrowersMember" abstract="true" name="InterestRateContractQualifiedBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MortgageBankingDerivativesMember" abstract="true" name="MortgageBankingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ForwardSettingContractMortgageBackedMember" abstract="true" name="ForwardSettingContractMortgageBackedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestAndFeeIncomeLoansAndLeasesMember" abstract="true" name="InterestAndFeeIncomeLoansAndLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember" abstract="true" name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_InterestRateSwapsAndCapsMember" abstract="true" name="InterestRateSwapsAndCapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_EconomicHedgeOnMSRsMember" abstract="true" name="EconomicHedgeOnMSRsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_TradingGainsLossesNetMember" abstract="true" name="TradingGainsLossesNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MortgageBankingRevenueMember" abstract="true" name="MortgageBankingRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_FeesFromCoveredCallOptionsMember" abstract="true" name="FeesFromCoveredCallOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansHeldForInvestmentMember" abstract="true" name="LoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MeasurementInputCostOfServicingMember" abstract="true" name="MeasurementInputCostOfServicingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MeasurementInputCostOfServicingDelinquentMember" abstract="true" name="MeasurementInputCostOfServicingDelinquentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_MeasurementInputPullThroughRateMember" abstract="true" name="MeasurementInputPullThroughRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_ImpairedFinancingReceivableByTypeAxis" abstract="true" name="ImpairedFinancingReceivableByTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="wtfc_ImpairedFinancingReceivableByTypeDomain" abstract="true" name="ImpairedFinancingReceivableByTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_OtherRealEstateOwnedMember" abstract="true" name="OtherRealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansHeldForSaleFairValueDisclosureNonaccrual" abstract="false" name="LoansHeldForSaleFairValueDisclosureNonaccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_LoansHeldForSaleFairValueDisclosure90DaysOrMorePastDueStillAccruing" abstract="false" name="LoansHeldForSaleFairValueDisclosure90DaysOrMorePastDueStillAccruing" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_PrincipalAmountOutstandingOnLoansHeldForInvestment" abstract="false" name="PrincipalAmountOutstandingOnLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ImpairedLoansFairValueLossesRecognized" abstract="false" name="ImpairedLoansFairValueLossesRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_RealEstateAcquiredThroughForeclosureFairValueLossesRecognized" abstract="false" name="RealEstateAcquiredThroughForeclosureFairValueLossesRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_AssetsNonrecurringFairValueLossesRecognized" abstract="false" name="AssetsNonrecurringFairValueLossesRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_LoansHeldForInvestmentMeasurementInput" abstract="false" name="LoansHeldForInvestmentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="wtfc_ImpairedFinancingReceivableMeasurementInput" abstract="false" name="ImpairedFinancingReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="wtfc_LoansHeldForInvestmentAtFairValueMember" abstract="true" name="LoansHeldForInvestmentAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_LoansHeldForInvestmentAtAmortizedCostMember" abstract="true" name="LoansHeldForInvestmentAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_NonMaturityDepositsFairValueDisclosure" abstract="false" name="NonMaturityDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_DepositsWithStatedMaturities" abstract="false" name="DepositsWithStatedMaturities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAddedByPerformanceFactorAtVesting" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAddedByPerformanceFactorAtVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="wtfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButDeferredInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButDeferredInPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="wtfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAddedByPerformanceFactorAtVestingWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAddedByPerformanceFactorAtVestingWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="wtfc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButDeferredInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButDeferredInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="wtfc_ReclassificationFromAOCIAmortizationOfUnrealizedGainsLossesOnInvestmentSecuritiesTransferredToHeldToMaturityFromAvailableForSaleNetOfTaxAttributableToParent" abstract="false" name="ReclassificationFromAOCIAmortizationOfUnrealizedGainsLossesOnInvestmentSecuritiesTransferredToHeldToMaturityFromAvailableForSaleNetOfTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wtfc_O2026Q1DividendsMember" abstract="true" name="O2026Q1DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wtfc_O2026Q1ADividendsMember" abstract="true" name="O2026Q1ADividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
