Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q3 2026 Earnings Presentation
32 slides from Wintrust Financial's earnings presentation, Oct 20, 2026
Slide 1: Earnings Release Presentation Q3 2026
Earnings Release Presentation Q3 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: September 2026 Year-to-Date Highlights
September 2026 Year-to-Date Highlights (Comparative to September 2025 Year-to-Date) Net Income Pre-Tax, Pre-Provision1 Diluted EPS $700.1NAME ORGANIZATION million $1.0 billion $9.89 +$99.3 million or 17% +$139.7 million or 16% +$1.64 or 20% Net Interest Income Net Interest Margin BV / TBV (GAAP) (no
Slide 5: Q3 2026 Highlights (Comparative to Q2 2026)
Q3 2026 Highlights (Comparative to Q2 2026) Net Income Pre-Tax, Pre-Provision1 Diluted EPS $239.1NAME ORGANIZATION million $352.2 million $3.37 +$5.4 million +$11.1 million +$0.07 Return on Assets ROE / ROTCE Efficiency Ratio 1.27% (GAAP) (non-GAAP) (GAAP) (non-GAAP) 12.83% 14.89% 53.41% 53.22% -3 b
Slide 6: Earnings Summary
Earnings Summary Differentiated, highly diversified and sustainable business model Record Quarterly Pre-Tax Income, Excluding Provision for Credit Record Quarterly Net Income Losses ORGANIZATION NAME ($ in Millions) ($ in Millions) $352.2 $341.1 $233.7 $239.1 $216.3 $317.8 1.30% 1.27% 1.26% Q3 2025
Slide 7: Loan Portfolio
Loan Portfolio Diversified loan portfolio drives consistent growth Robust Organic Loan Growth in the Third Quarter ORGANIZATION NAME ($ in Billions) $56.8 Highlights $55.7 $52.1 • Loan growth during the third quarter totaled $1.1 billion, or 8% on an annualized basis 6.44% • Strong loan growth drive
Slide 8: Deposit Portfolio
Deposit Portfolio Enviable core deposit franchise in Chicago, Milwaukee and Grand Rapids market areas Strong Organic Deposit Growth in the Third Quarter ORGANIZATION NAME ($ in Billions) $62.4 Highlights $61.1 $56.7 • Third quarter deposit growth totaling $1.3 billion or 8% annualized • Year-over-ye
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 10.5% 12.4% 12.5% 10.4% 12.4% 10.2% 11.1% 11.2% 10.9% 10.4% 10.5% 10.2% 9.8% 9.5% 9.8% 1 9/30/2025 6/30/2026 9/30/2026 CET1 Ratio Tier 1 Capita
Slide 10: Tangible Book Value Per Common Share (non-GAAP)
Tangible Book Value Per Common Share (non-GAAP) Wintrust has grown TBV Per Common Share every year since going public in 1996. TBV Per Common Share was $88.18 as of September 30, 2026 $88.66 $88.18 ORGANIZATION NAME $75.39 $70.33 $61.00 $59.64 $53.23 $49.70 $44.67 $41.68 $37.08 $32.45 $33.17 $29.28
Slide 11: Total Shareholder Return
Total Shareholder Return Wintrust's commitment to growing shareholder value is exemplified by generally outperforming the KBW Nasdaq Regional Banking Total Return Index (KRXTR) Total Shareholder Return of WTFC Compared to KRXTR (1-Year) Total Shareholder Return of WTFC Compared to KRXTR (3-Year) ORG
Slide 12: Net Interest Margin/Income
Net Interest Margin/Income Net interest margin within guidance range; coupled with strong earning asset growth generated net interest income growth Record Net Interest Income in Q3 2026 ORGANIZATION NAME ($ in Millions) $621.6 Highlights $597.4 $567.0 • We believe we are well-positioned for strong f
Slide 13: Non-Interest Income
Non-Interest Income Diversified fee businesses supported year-over-year growth in non-interest income levels despite challenging mortgage environment Year-over-Year Increase Across All Major Categories Steady Growth in Wealth Management AUA and Revenue ORGANIZATION NAME ($ in Millions) ($ in Million
Slide 14: Non-Interest Expense
Non-Interest Expense We continue to manage our expenses in line with company growth Quarterly Decrease Driven by Salaries and Benefits Related to Lower Payroll Taxes and Deferred Compensation Efficiency Ratio Improved Quarter-Over-Quarter ORGANIZATION NAME ($ in Millions) $234.1 $230.5 $219.7 $41.8
Slide 15: Credit Quality
Credit Quality Diversified business lines and strong credit management support stable credit quality Special Mention and Substandard Percentages Remained Low and Consistent Levels of Non-Performing Loans Stable Quarter over Quarter ORGANIZATION NAME ($ in Millions) ($ in Millions) 0.32% $53,961 $55,
Slide 16: Non-Performing Assets to Total Assets
Non-Performing Assets to Total Assets NPAs continue to remain historically low 1.74% ORGANIZATION NAME 1.58% 1.52% 1.30% 1.03% 0.85% 0.81% 0.62% 0.56% 0.51% 0.50% 0.45% 0.46% 0.48% 0.47% 0.44% 0.40% 0.41% 0.39% 0.34% 0.34% 0.36% 0.32% 0.29% 0.30% 0.29% 0.25% 0.27% 0.25% 0.21% 0.16% 02 17 01 00 16 99
Slide 17: Credit Quality - Allowance for Credit Losses
Credit Quality - Allowance for Credit Losses The Company remains well-reserved Appropriate Allowance Coverage on Total Loan Portfolio Consistently Well-Reserved Across Our Core1 Loan Portfolio ORGANIZATION NAME ($ in Billions) ($ in Billions) $56.8 $55.7 $33.9 $32.7 $52.1 $30.6 1.34% 1.24% 1.22% 0.8
Slide 18: Credit Quality - Commercial Loans
Credit Quality - Commercial Loans Diversified portfolio with low net charge-offs Consistent Loan Growth Coupled with Proactive Credit Management Stable Levels of Non-Performing Commercial Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $18,281 $18,342 $90.6 $85.7 $16,544 $66.6 0.49% 0.50% 0.
Slide 19: Credit Quality - Commercial Real Estate Loans
Credit Quality - Commercial Real Estate Loans Well-diversified portfolio with a majority of its exposure in stabilized, income producing properties Solid Growth in Portfolio with Strong Credit Quality Continued Low Levels of Non-Performing Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $14,
Slide 20: Credit Quality Premium Finance Receivable - Life Insurance
Credit Quality Premium Finance Receivable - Life Insurance Life insurance portfolio remains steady with no charge-offs and low levels of non-performing loans Sustained Growth with Stellar Credit Quality Manageable Levels of Non-Performing Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $9,31
Slide 21: Premium Finance Receivables - Property and Casualty Insurance
Premium Finance Receivables - Property and Casualty Insurance Steady year-over-year growth in portfolio with solid credit quality Loans Remained Stable Following Seasonal Growth in Q2 Consistent Low Level of Non-Performing Loans ORGANIZATION NAME ($ in Millions) ($ in Millions) $8,366 $8,612 $8,624
Slide 22: Deposit Market Share in the Markets We Serve
Deposit Market Share in the Markets We Serve Wintrust serves over 300,000 consumer banking households and 50,000 commercial middle market and small business clients Illinois Market1 2024 2025 2026 Michigan Market2 2024 2025 2026 ORGANIZATION (Sorted by 2026 Market Share Data) NAME (Sorted by 2026 Ma
Slide 23: Appendix
ORGANIZATION NAME Appendix
Slide 24: Non-Depository Financial Institutions (NDFI) Lending
Non-Depository Financial Institutions (NDFI) Lending (as of 9/30/2026) NDFI lending represents a conservative 6% of the total loan portfolio in low risk sectors NDFI Loan Portfolio Breakdown ORGANIZATION ($ in Millions) NAME • Warehouse lines of credit primarily to large well-capitalized residential
Slide 25: Hedge Strategy Update
Hedge Strategy Update Use of Hedges to Stabilize NIM and Mitigate Potential Negative Impacts of Falling Rates Hedging activities had no material impact to our Q3 2026 NIM, as compared to a one basis point favorable impact to our Q2 2026 NIM. These derivatives moderate our interest rate sensitivity a
Slide 26: CRE Office Portfolio
CRE Office Portfolio (as of 9/30/2026) CRE office represents a minimal percentage of the total loan portfolio As of As of CRE Office Portfolio Geography ORGANIZATION NAME 6/30/2026 9/30/2026 ($ in Millions) Portfolio Characteristics Balance ($ in Millions) $1,607 $1,660 Chicago CRE office as a % to
Slide 27: Loan Portfolio
Loan Portfolio Highly diversified portfolio across U.S Loan Portfolio - Geographic Diversification1 (as of 9/30/2026) Canada: 1% 4% 5% 4% 4% 2% 3% 31% 2% 9% 2% Primary Geographic Total Loan Portfolio Region Commercial: 2% Commercial, industrial and other Midwest Leasing Nationwide 2% Franchise Lendi
Slide 28: Glossary
Glossary Abbreviation Definition AUA Assets Under Administration AOCI Accumulated Other Comprehensive Income/(Loss) ORGANIZATION BOLI NAME Bank Owned Life Insurance BP Basis Point BV Book Value per Common Share CBD Central Business District CET1 Ratio Common Equity Tier 1 Capital Ratio CRE Commercia
Slide 29: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Nine Months Ended Reconciliation of non-GAAP Net Interest Margin and Efficiency September 30, June 30, March 31, December 31, September 30, September 30, September 30, Ratio ($ in Thousands): 2026 2026 2026 2025 2025 2026 2025 ORGANIZATION (A) Interest Inco
Slide 30: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Nine Months Ended ORGANIZATION NAME September 30, June 30, March 31, December 31, September 30, September 30, September 30, Reconciliation of non-GAAP Return on Average Tangible Common 2026 2026 2026 2025 2025 2026 2025 Equity ($ in Thousands): (N) Net inco
Slide 31: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended Nine Months Ended ORGANIZATION NAME September 30, June 30, March 31, December 31, September 30, September 30, September 30, Reconciliation of Non-GAAP Net Income per Common Share: ($ in Thousands): 2026 2026 2026 2025 2025 2026 2025 Net income $ 239,054 $ 2
Slide 32: Non-GAAP Reconciliation
Non-GAAP Reconciliation Three Months Ended September 30, June 30, March 31, December 31, September 30, ORGANIZATION ReconciliationNAME of non-GAAP Tangible Common Equity 2026 2026 2026 2025 2025 ($'s and Shares in Thousands): Total shareholders’ equity (GAAP) $ 7,289,546 $ 7,525,116 $ 7,378,100 $ 7,