Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q3 2026 Earnings Presentation
11 slides from Wintrust Financial's earnings presentation, Oct 19, 2026
Slide 1: Net Income
Net Income $227.4 ) ; ' ; $ in Millions Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
Pre-tax income, excluding provision for credit losses (non-GAAP) $380 — $360 $340 $320 $300 a i = z A | a $280 $260 $240 $220 T T T T T Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 3: Pre-tax income, excluding provision (non-GAAP), Q3 2026 compared to Q2 2026
2 Z = = z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $400 $375 $350 $325 $300 $275 $250 Q3 2026 compared to Q2 2026 $24.2 $1.1 $341.1 | $0.9) $3.5) $0.7) T T T T T T T T T T Q2 2026 Net Wealth Mortgage (Losses) All Salaries Advertising FDIC All Interest ManagementBanking
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $621.6 2 g } z = a Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Assets
Total Assets 2 < = a & a T T T T T Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 6: Loans
Total Loans 2 < = a & a Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 7: Deposits
Total Deposits 2 < = a A | a T T T T T Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 8: Shareholders' Equity
Total Shareholders’ Equity 2 < = a A | a T T T T T Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets Q3 2025 Q4 2025 QI 2026 Q2 2026 Q3 2026
Slide 10: Selected financial highlights and statements of income data
$87.3 million 26.7% Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 352,212 341,098 317,809 3 11 Cash dividends declared per common share 0.55 0.55 0.50 — 10 Net interest income 621,604 597,366 567,010 4 10 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.51 3.52
Slide 11: Provision and charge-offs by loan category
Second Quarter 2026 (1) 30 — Fourth Quarter 2025 (44) (20) (50) Provision for credit losses 25,879 23,134 29,594 27,588 21,768 78,607 67,965 Charge-offs: Commercial real estate 414 707 7,260 5,625 144 8,381 6,309 Residential real estate 107 163 350 — 26 620 26 Premium finance receivables - life insu