Barrington Bank & Trust Company is not a completely separate standalone corporate entity from Wintrust, but rather operates as a wholly owned community bank subsidiary and chartered affiliate under the broader Wintrust Financial Corporation umbrella. Wintrust functions as a massive financial services holding company that utilizes a unique multi-bank model, acquiring and managing numerous local community banks across the greater Chicago region and Wisconsin. While Barrington Bank & Trust retains its individual local branding, community boards, and customized local services to preserve its community bank feel, it is fully backed by the operational, technological, and financial resources of the parent Wintrust network, ensuring full FDIC insurance and institutional stability.