Wintrust Financial Corporation (WTFC) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to Wintrust Financial Corporation's fourth quarter and full year 2025 earnings conference call. A review of the results will be made by Tim Crane, President and Chief Executive Officer, David Dykstra, Vice Chairman and Chief Operating Officer, and Richard Murphy, Vice Chairman and Chief Lending Officer. As part of their reviews, the presenters may make reference to both the earnings press release and the earnings release presentation. Following their presentations, there will be a formal question and answer session. During the course of today's call, when trust management may make statements that constitute projections, expectations, beliefs, or similar forward-looking statements, actual results could differ materially from the results anticipated or projected in any such forward-looking statement. The company's forward-looking assumptions that could cause the actual results to differ materially from the information discussed during this call are detailed in our earnings press release and in the company's most recent form 10-K and any subsequent filings with the SEC. Also, our remarks may reference certain non-GAAP financial measures. Our earnings press release and earnings release presentation include a reconciliation of each non-GAAP financial measure to the nearest comparable GAAP financial measure. As a reminder, this conference call is being recorded. I will now turn the conference call over to Mr. Tim Crane. Good morning, and for those of you we haven't seen or talked to recently, Happy New Year. Thank you for joining us for the Wintrust fourth quarter and full year 25 earnings call. In addition to the introductions Lateef made, I'm joined by our Chief Financial Officer Dave Starr and Chief Legal Officer Kate Bogey. As we usually do on these calls, I'll...