Slide 1: Earnings Release Presentation Q2 2026
Earnings Release Presentation Q2 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as “intend,” “plan,” “project,” “expect,” “anticipate,” “believe,” “estimate,” “contemplate,” “possi
Slide 3: Forward Looking Statements
Forward Looking Statements • adverse effects of failures by our vendors to provide agreed upon services in the manner and at the cost agreed, particularly our information technology vendors; • increased costs as a result of protecting our customers from the impact of stolen debit card information; •
Slide 4: June 2026 Year-to-Date Highlights
June 2026 Year-to-Date Highlights (Comparative to June 2025 Year-to-Date) Net Income Pre-Tax, Pre-Provision1 Diluted EPS $461.1NAME ORGANIZATION million $671.6 million $6.52 +$76.5 million or 20% +$105.3 million or 19% +$1.05 or 19% Net Interest Income Net Interest Margin BV / TBV (GAAP) (non-GAAP)
Slide 5: Q2 2026 Highlights
Q2 2026 Highlights (Comparative to Q1 2026) Net Income Pre-Tax, Pre-Provision1 Diluted EPS $233.7NAME ORGANIZATION million $341.1 million $3.30 +$6.3 million +$10.6 million +$0.08 Return on Assets ROE / ROTCE Efficiency Ratio 1.30% (GAAP) (non-GAAP) (GAAP) (non-GAAP) 12.82% 14.91% 53.96% 53.76% -2 b
Slide 6: Earnings Summary
Earnings Summary Differentiated, highly diversified and sustainable business model Record Quarterly Pre-Tax Income, Excluding Provision for Credit Record Quarterly Net Income Losses ORGANIZATION NAME ($ in Millions) ($ in Millions) $341.1 $330.5 $227.4 $233.7 $289.3 $195.5 1.32% 1.30% 1.19% Q2 2025
Slide 7: Loan Portfolio
Loan Portfolio Diversified loan portfolio drives consistent growth Robust Organic Loan Growth in the Second Quarter ORGANIZATION NAME ($ in Billions) $54.1 $55.7 Highlights $51.0 • Loan growth during the second quarter totaled $1.6 billion, or 12% on 6.48% an annualized basis 6.14% • Strong loan gro
Slide 8: Deposit Portfolio
Deposit Portfolio Enviable core deposit franchise in Chicago, Milwaukee and Grand Rapids market areas Strong Deposit Growth in the Second Quarter ORGANIZATION NAME ($ in Billions) $61.1 Highlights $58.9 $55.8 • Second quarter deposit growth totaling $2.2 billion or 15% annualized • Year-over-year de
Slide 9: Capital/Liquidity
Capital/Liquidity Capital levels are well in excess of regulatory thresholds Stable Capital Levels Continued Year-over-Year Growth in CET1 ORGANIZATION NAME 13.0% 12.6% 12.4% 10.4% 10.4% 11.5% 11.1% 11.1% 10.0% 10.4% 10.4% 10.2% 10.0% 9.8% 9.8% 1 6/30/2025 3/31/2026 6/30/2026 CET1 Ratio Tier 1 Capit
Slide 10: Tangible Book Value Per Common Share
Tangible Book Value Per Common Share (non-GAAP) Wintrust has grown TBV Per Common Share every year since going public in 1996, and increased TBV Per Common Share to $92.13 as of June 30, 2026 $92.13 $88.66 ORGANIZATION NAME $75.39 $70.33 $61.00 $59.64 $53.23 $49.70 $44.67 $41.68 $37.08 $32.45 $33.17
Slide 11: Total Shareholder Return
Total Shareholder Return Wintrust's commitment to growing shareholder value is exemplified by consistently outperforming the KBW Nasdaq Regional Banking Total Return Index (KRXTR) Total Shareholder Return of WTFC Compared to KRXTR (1-Year) Total Shareholder Return of WTFC Compared to KRXTR (3-Year)
Slide 12: Net Interest Margin/Income
Net Interest Margin/Income Net interest margin within guidance range; coupled with strong earning asset growth generated net interest income growth Record Net Interest Income in Q2 2026 ORGANIZATION NAME ($ in Millions) Highlights $597.4 $579.0 $546.7 • We believe we are well-positioned for strong f
Slide 13: Non-Interest Income
Non-Interest Income Diversified fee businesses supported growth in non-interest income levels despite challenging mortgage environment Year-over-Year Increase Across All Major Categories Wealth Management Revenue Improvement Year-Over-Year ORGANIZATION NAME ($ in Millions) ($ in Millions) $141.3 $42
Slide 14: Non-Interest Expense
Non-Interest Expense We continue to manage our expenses in line with company growth Quarterly Increase Primarily Driven by Commissions and Incentives Efficiency Ratio Remained Consistent Quarter-Over-Quarter ORGANIZATION NAME ($ in Millions) $228.5 $234.1 $219.5 $42.0 $41.8 $40.5 56.68% $57.4 $62.4
Slide 15: Credit Quality
Credit Quality Diversified business lines and strong credit management support stable credit quality Special Mention and Substandard Percentages Remained Low and Consistent Levels of Non-Performing Loans Stable Quarter over Quarter ORGANIZATION NAME ($ in Millions) ($ in Millions) $52,479 $53,961 0.
Slide 16: Non-Performing Assets to Total Assets
Non-Performing Assets to Total Assets NPAs continue to remain historically low 1.74% ORGANIZATION NAME 1.58% 1.52% 1.30% 1.03% 0.85% 0.81% 0.62% 0.56% 0.51% 0.50% 0.45% 0.46% 0.48% 0.47% 0.44% 0.40% 0.41% 0.39% 0.34% 0.34% 0.36% 0.32% 0.29% 0.30% 0.29% 0.25% 0.27% 0.26% 0.21% 0.16% 02 17 01 00 16 99
Slide 17: Credit Quality - Allowance for Credit Losses
Credit Quality - Allowance for Credit Losses The Company remains well-reserved Appropriate Allowance Coverage on Total Loan Portfolio Consistently Well-Reserved Across Our Core1 Loan Portfolio ORGANIZATION NAME ($ in Billions) ($ in Billions) $55.7 $32.7 $54.1 $32.1 $51.0 $29.9 1.37% 1.27% 1.24% 0.9
Slide 18: Credit Quality - Commercial Loans
Credit Quality - Commercial Loans Diversified portfolio with low net charge-offs Steady Loan Growth Coupled with Proactive Credit Management Stable and Manageable Levels of Non-Performing Commercial Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $18,281 $17,763 $87.8 $90.6 $80.9 $16,387 0.4
Slide 19: Credit Quality - Commercial Real Estate Loans
Credit Quality - Commercial Real Estate Loans Well-diversified portfolio with a majority of its exposure in stabilized, income producing properties Solid Growth in Portfolio with Modest Levels of Net Charge-offs Continued Low Levels of NPLs in Q2 2026 ORGANIZATION NAME ($ in Millions) ($ in Millions
Slide 20: Credit Quality Premium Finance Receivable - Life Insurance
Credit Quality Premium Finance Receivable - Life Insurance Life insurance portfolio remains steady and has continued to demonstrate exceptional credit quality and no charge-offs Consistent Growth with Stellar Credit Quality Pristine Low Levels of Non-Performing Loans ORGANIZATION NAME ($ in Millions
Slide 21: Premium Finance Receivables - Property and Casualty Insurance
Premium Finance Receivables - Property and Casualty Insurance Steady year-over-year growth in portfolio with solid credit quality Strong Seasonal Growth in Q2 2026, Consistent with Prior Years Consistent Low Level of Non-Performing Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $8,323 $8,61
Slide 22: Non-Depository Financial Institutions (NDFI) Lending
Non-Depository Financial Institutions (NDFI) Lending (as of 6/30/2026) NDFI lending represents a conservative 6% of the total loan portfolio in low risk sectors NDFI Loan Portfolio Breakdown ORGANIZATION ($ in Millions) NAME • Warehouse lines of credit primarily to large well-capitalized residential
Slide 23: Appendix
ORGANIZATION NAME Appendix
Slide 24: Hedge Strategy Update
Hedge Strategy Update Use of Hedges to Stabilize NIM and Mitigate Potential Negative Impacts of Falling Rates Hedging activities had a one basis point favorable impact to our Q2 2026 NIM, unchanged from the one basis point favorable impact to our Q1 2026 NIM. These derivatives moderate our interest
Slide 25: CRE Office Portfolio
CRE Office Portfolio (as of 6/30/2026) CRE office represents a minimal percentage of the total loan portfolio As of As of CRE Office Portfolio Geography ORGANIZATION NAME 3/31/2026 6/30/2026 ($ in Millions) Portfolio Characteristics Balance ($ in Millions) $1,652 $1,607 CRE office as a % to Total CR
Slide 26: Loan Portfolio
Loan Portfolio Highly diversified portfolio across U.S Loan Portfolio - Geographic Diversification1 (as of 6/30/2026) Canada: 2% 4% 4% 4% 2% 3% 2% 3% 31% 2% 8% 2% Primary Geographic Total Loan Portfolio Region Commercial: 2% Commercial, industrial and other Midwest Leasing Nationwide 2% Franchise Le
Slide 27: Deposit Market Share in the Markets We Serve
Deposit Market Share in the Markets We Serve Wintrust serves over 300,000 consumer banking households and 50,000 commercial middle market and small business clients Illinois Market1 2023 2024 2025 Michigan Market2 2023 2024 2025 ORGANIZATION (Sorted by 2025 Market Share Data) NAME (Sorted by 2025 Ma
Slide 28: Glossary
Glossary Abbreviation Definition AUA Assets Under Administration BOLI Bank Owned Life Insurance ORGANIZATION BP NAME Basis Point BV Book Value per Common Share CBD Central Business District CET1 Ratio Common Equity Tier 1 Capital Ratio CRE Commercial Real Estate Diluted EPS Net Income per Common Sha
Slide 29: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Six Months Ended Reconciliation of non-GAAP Net Interest Margin and Efficiency June 30, March 31, December 31, September 30, June 30, June 30, June 30, Ratio ($ in Thousands): 2026 2026 2025 2025 2025 2026 2025 ORGANIZATION (A) Interest Income (GAAP)NAME $
Slide 30: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Six Months Ended ORGANIZATION NAME June 30, March 31, December 31, September 30, June 30, June 30, June 30, Reconciliation of non-GAAP Return on Average Tangible Common 2026 2026 2025 2025 2025 2026 2025 Equity ($ in Thousands): (N) Net income applicable to
Slide 31: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Six Months Ended ORGANIZATION NAME June 30, March 31, December 31, September 30, June 30, June 30, June 30, Reconciliation of Non-GAAP Net Income per Common Share: ($ in Thousands): 2026 2026 2025 2025 2025 2026 2025 Net income $ 233,693 $ 227,388 $ 223,024
Slide 32: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended June 30, March 31, December 31, September 30, June 30, ORGANIZATION ReconciliationNAME of non-GAAP Tangible Common Equity 2026 2026 2025 2025 2025 (#039;s and Shares in Thousands): Total shareholders’ equity (GAAP) $ 7,525,116 $ 7,378,100 $ 7,258,715 $ 7,045,7