Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q1 2026 Earnings Presentation
11 slides from Wintrust Financial's earnings presentation, Apr 20, 2026
Slide 1: Net Income
Net Income $216.3 $189.0 $150 $125 $100 $75 QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026 wn x a 2 g -} z A | a
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
Pre-tax income, excluding provision for credit losses (non-GAAP) 9 $329.8 $330.5 $320 $300 $280 $260 a i = z A | a $240 $220 $200 $180 T T T T T QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026
Slide 3: Pre-tax income, excluding provision (non-GAAP) - Q1 2026 compared to Q4 2025
Pre-tax income, excluding provision for credit losses (non-GAAP) - QI 2026 compared to Q4 2025 $350 $5.1 $330.5 2 Z = | z = F T T T T T T T T T T T Q4 2025 Net Wealth Mortgage (Losses) All Salaries Advertising OREO All Ql 2026 Interest ManagementBanking gainson Other and and Expenses, Other Income R
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $583.9 2 g } z = a QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Total Assets
Total Assets 2 < = a & a T T T T T QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026
Slide 6: Total Loans
Total Loans 2 < = a & a QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026
Slide 7: Total Deposits
Total Deposits 2 < = a A | a T T T T T QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026
Slide 8: Series F Preferred Stock issuance note
*On May 22, 2025, the Company completed the issuance of $425 million of Series F Preferred Stock. The issuance was in contemplation of redeeming $412.5 million of Series D and Series E Preferred Stock that was expected to reprice at rates higher than existing market rates. The Series D and Series E
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets QI 2025 Q2 2025 Q3 2025 Q4 2025 QI 2026
Slide 10: Selected financial highlights
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 330,534 329,811 277,018 0 19 Cash dividends declared per common share 0.55 0.50 0.50 10 10 Net interest income 579,024 583,874 526,474 (1) 10 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.56 3.54 3.56 2 — Return o
Slide 11: Allowance for credit losses and charge-offs
Fourth Quarter 2025 (44) (20) (50) Second Quarter 2025 — (7) — Provision for credit losses - Other 29,594 27,588 21,768 22,234 23,963 Charge-offs: Commercial real estate 7,260 5,625 144 5,711 454 Residential real estate 350 — 26 — — Premium finance receivables - life insurance — — 18 — 12 Total char