Wintrust Financial CorporationNASDAQ: WTFC

2nd Quarter 2026 Earnings Call - Presentation Materials

Jul 20, 2026 at 8:55 PM UTC · Issued by Wintrust Financial Corporation

Watch Wintrust Financial explain itWintrust Financial Corporation (WTFC) Q2 2026 Earnings Call · Replay · Jul 21

Ask Wintrust Financial's CEO a questionWintrust Financial Corporation (WTFC) Q3 2026 Earnings Call · Oct 20, 2026 at 3:00 PM UTCRegister

Earnings Release Presentation Q2 2026

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;
accuracy and completeness of information the Company receives about customers and counterparties to make credit decisions;
ability of the Company to attract and retain senior management experienced in the banking and financial services industries;
environmental liability risk associated with lending activities;
the impact of any claims or legal actions to which the Company is subject, including any effect on our reputation;
losses incurred in connection with repurchases and indemnification payments related to mortgages and increases in reserves associated therewith;
the loss of customers as a result of technological changes allowing consumers to complete their financial transactions without the use of a bank;
the soundness of other financial institutions and the impact of recent failures of financial institutions, including broader financial institution liquidity risk and concerns;
the expenses and delayed returns inherent in opening new branches and de novo banks;
liabilities, potential customer loss or reputational harm related to closings of existing branches;
examinations and challenges by tax authorities, and any unanticipated impact of tax legislation;
changes in accounting standards, rules and interpretations, and the impact on the Company's financial statements;
the ability of the Company to receive dividends from its subsidiaries;
the impact of the Company's transition from LIBOR to an alternative benchmark rate for current and future transactions;
a decrease in the Company's capital ratios, including as a result of declines in the value of its loan portfolios, or otherwise;
legislative or regulatory changes, particularly changes in regulation of financial services companies and/or the products and services offered by financial services companies;
changes in laws, regulations, rules, standards and contractual obligations regarding data privacy and cybersecurity;
a lowering of our credit rating;
changes in U.S. monetary policy and changes to the Federal Reserve's balance sheet, including changes in response to persistent inflation or otherwise;
regulatory restrictions upon our ability to market our products to consumers and limitations on our ability to profitably operate our mortgage business;
increased costs of compliance, heightened regulatory capital requirements and other risks associated with changes in regulation and the regulatory environment;
the impact of heightened capital requirements;
increases in the Company's FDIC insurance premiums, or the collection of special assessments by the FDIC;
delinquencies or fraud with respect to the Company's premium finance business;
credit downgrades among commercial and life insurance providers that could negatively affect the value of collateral securing the Company's premium finance loans;
the Company's ability to comply with covenants under its credit facility;
fluctuations in the stock market, which may have an adverse impact on the Company's wealth management business and brokerage operation; and
widespread outages of operational, communication, or other systems, whether internal or provided by third parties, natural or other disasters (including acts of terrorism, armed hostilities and pandemics), and the effects of climate change could have an adverse effect on the Company's financial condition and results of operations, lead to material disruption of the Company's operations or the ability or willingness of clients to access the Company's products and services.

Therefore, there can be no assurances that future actual results will correspond to any forward-looking statements. The reader is cautioned not to place undue reliance on any forward-looking statement made by the Company. Any such statement speaks only as of the date the statement was made or as of such date that may be referenced within the statement. The Company undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events after the date of the press release and this presentation. Persons are advised, however, to consult further disclosures management makes on related subjects in its reports filed with the Securities and Exchange Commission and in its press releases and presentations.

$55.7 billion

+$4.6 billion or 9%

Total Loans

$74.7 billion

+$5.7 billion or 8%

Total Assets

$61.1 billion

+$5.3 billion or 10%

Total Deposits

June 2026 Year-to-Date Highlights (Comparative to June 2025 Year-to-Date)

Net Income

Pre-Tax, Pre-Provision1

Diluted EPS

$461.1 million

+$76.5 million or 20%

$671.6 million

+$105.3 million or 19%

$6.52

+$1.05 or 19%

$1.2 billion

+$103.2 million or 10%

Net Interest Income

(GAAP)

3.52%

-1 bp

Net Interest Margin

(non-GAAP)

3.54%

-1 bp

(non-GAAP)

$92.13

+$10.27

BV / TBV

(GAAP)

$105.26

+$9.83

Record net income of $461.1 million or $6.52 per diluted common share, for the first six months of 2026, compared to net income of $384.6 million, or $5.47 per diluted common share for the same period of 2025
Record June 2026 year-to-date net interest income of $1.2 billion was driven by strong earning asset growth
Wintrust's tangible book value per common share (non-GAAP) increased to $92.13 as of June 30, 2026. Tangible book value per common share (non-GAAP) has increased every year since Wintrust became a public company in 1996
Total deposits increased by approximately $5.3 billion, or 10% compared to June 30, 2025, and was driven by our diversified deposit product offerings

June 2026 Year-to-Date Takeaways

1 Pre-tax income, excluding provision for credit losses (non-GAAP) - See non-GAAP reconciliation in the Appendix

$341.1 million

+$10.6 million

Pre-Tax, Pre-Provision1

$61.1 billion

+$2.2 billion

$55.7 billion

+$1.6 billion

$74.7 billion

+$2.5 billion

$3.30

+$0.08

Diluted EPS

$233.7 million

+$6.3 million

Net Income

(non-GAAP)

53.76%

+31 bps

(GAAP)

53.96%

+31 bps

(non-GAAP)

14.91%

+2 bps

(GAAP)

12.82%

+6 bps

Efficiency Ratio

Q2 2026 Highlights (Comparative to Q1 2026)

1.30%

-2 bps

Return on Assets

ROE / ROTCE

Total Assets

Total Loans

Total Deposits

Diversified Balance Sheet

Total loans increased by approximately $1.6 billion, or 12% annualized, and was driven by growth across all major loan categories, including seasonally higher PFR - Property and Casualty Insurance
Total deposits increased by approximately $2.2 billion, or 15% annualized, and was driven by our diversified customer base and product offerings

Stable Margin Supports Earnings

Record quarterly net income of $233.7 million
Q2 2026 net interest margin (non-GAAP) of 3.52% was four basis points lower than the prior quarter and remains within our expected range

Strong Credit Quality

Non-performing loans totaled $179.3 million and comprised 0.32% of total loans at June 30, 2026
Allowance for credit losses on total core loans was 1.24% at June 30, 2026
Net charge-offs of 10 basis points in the second quarter of 2026, compared to 14 basis points in the first quarter of 2026

1 Pre-tax income, excluding provision for credit losses (non-GAAP) - See non-GAAP reconciliation in the Appendix

Earnings Summary

Differentiated, highly diversified and sustainable business model

Record Quarterly Net Income

($ in Millions)

Record Quarterly Pre-Tax Income, Excluding Provision for Credit

Losses

($ in Millions)

$289.3

$330.5 $341.1

$227.4 $233.7

$195.5

1.19%

1.32%

1.30%

Q2 2025 Q1 2026 Q2 2026

Net Income ROA

Q2 2025 Q1 2026 Q2 2026

Pre-Tax Income, excluding Provision for Credit Losses (non-GAAP)

Record quarterly net income of $233.7 million supported by strong loan and deposit growth and a stable net interest margin
Q2 2026 pre-tax income, excluding provision for credit losses (non-GAAP) totaled $341.1 million as compared to $330.5 million in the first quarter of 2026, a record for the Company

Q2 2026 Highlights

Consistent Earnings Growth

$2.78

$3.22 $3.30

Q2 2025 Q1 2026 Q2 2026

Diluted EPS

Loan Portfolio

Diversified loan portfolio drives consistent growth

Loan growth during the second quarter totaled $1.6 billion, or 12% on an annualized basis
Strong loan growth driven by increases across all major categories, including seasonally higher PFR - Property and Casualty Insurance
Year-over-year loan growth of 9% driven by robust organic growth

Highlights

Robust Organic Loan Growth in the Second Quarter

($ in Billions)

$54.1

$51.0

6.48%

6.14%

6.07%

$55.7

6/30/2025 3/31/2026 6/30/2026

Total Loans Average Total Loan Yield

Loan Growth Across All Major Loan Categories

($ in Millions)

Diversified Loan Mix (as of 6/30/2026)

17%

15%

33%

26%

$54,071

$518

$108

$78

$722 $116 $42 $55,655

Commercial

Commercial Real Estate

PFR - Property and Casualty Insurance

PFR - Life Insurance

Residential Real Estate All Other Loans

3/31/2026 Commercial Commercial

Real Estate

Residential Real Estate

PFR -

Property and Casualty Insurance

PFR - Life Insurance

All Other Loans

6/30/2026

Deposit Portfolio

Enviable core deposit franchise in Chicago, Milwaukee and Grand Rapids market areas

Second quarter deposit growth totaling $2.2 billion or 15% annualized
Year-over-year deposit growth of $5.3 billion, or 10%, was supported by strong organic growth and market share gains in our key markets
Growth across a wide range of deposit products highlights our strong deposit franchise

Highlights

Strong Deposit Growth in the Second Quarter

($ in Billions)

$61.1

$58.9

$55.8

3.14%

2.74%

6/30/2025 3/31/2026 6/30/2026

Total Deposits Rate Paid on Average Total Interest-Bearing Deposits

Quarterly Growth Primarily from Money Market Products and CDs

($ in Millions)

$1,085

$61,141

$1,369

$58,914

$(666)

$(316)

$755

Strategically Repriced Deposits Throughout the Fed Easing Cycle

Deposit Betas

Interest-Bearing Deposit Beta: 57% Total Deposit Beta: 41%

5.50%

5.00%

3.73% 3.72%

2.93% 2.94%

4.50% 4.50% 4.50% 4.25%

3.39% 3.16% 3.14% 3.15%

3.75% 3.75% 3.75%

2.90% 2.74% 2.74%

3/31/2026 Non-Interest-

Money Market

CDs NOW and Interest-

Other Interest-

6/30/2026

2.68% 2.51% 2.51% 2.54% 2.33%

2.21% 2.21%

Bearing

Bearing Demand Deposits

Bearing 1

6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026

Ending Fed Funds Rate Upper Bound Average Interest-Bearing Deposit Rate Average Total Deposit Rate

1 Includes Savings and Wealth Management Deposits which represent deposit balances of the Company's subsidiary banks from brokerage customers of Wintrust Investments, Chicago Deferred Exchange Company, LLC ("CDEC"), and trust and asset management customers of the Company.

Capital/Liquidity

Capital levels are well in excess of regulatory thresholds

Stable Capital Levels Continued Year-over-Year Growth in CET1

13.0%

10.0%

12.6%	12.4%
11.5% 11.1%	11.1%
10.2% 10.4%	10.4%
10.0% 9.8%	9.8%
6/30/2025 3/31/2026	6/30/20261

10.4% 10.4%

CET1 Ratio Tier 1 Capital Ratio2

Total Capital Ratio2

Tier 1 Leverage Ratio2

6/30/2025 3/31/2026 6/30/2026 1

The Company's capital levels are well in excess of regulatory thresholds and improving despite strong loan growth
Investment portfolio at 15% of total assets as of June 30, 2026

Highlights

Strategically Balanced Investment Portfolio (as of 6/30/2026)

$7.6

$10.9

$3.2

($ in Billions)

Total Investment Portfolio

Yield (Q2 '26): 3.94%

Duration: 5.8 Years

$0.1

1Ratios for Q2 2026 are estimated

2Q2 2025 capital levels impacted by Preferred Series D and E not redeemed until Q3 2025

Available-for-Sale Held-to-Maturity Other

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

$88.66

$92.13

$75.39

$70.33

$59.64 $61.00

$4.11

$5.50 $6.03 $6.19 $7.08

$9.03

$11.65

$14.84 $16.07 $17.28

$18.97 $19.02 $20.78

$23.22

$25.80 $26.72

$29.28 $29.93

$32.45 $33.17

$37.08

$41.68

$44.67

$49.70

$53.23

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

6/30/2026

Tangible Book Value Per Common Share (non-GAAP)

Total Shareholder Return

Wintrust's commitment to growing shareholder value is exemplified by consistently outperforming the KBW Nasdaq Regional Banking Total Return Index (KRXTR)

140%

120%

100%

Total Shareholder Return of WTFC Compared to KRXTR (1-Year)

131%

129%

100%

250%

200%

150%

100%

Total Shareholder Return of WTFC Compared to KRXTR (3-Year)

176%

138%

185%

100%

143%

118%

229%

6/30/2025

6/30/2026

6/30/2023

6/30/2024

6/30/2025

6/30/2026

80% 50%

300%

250%

200%

150%

100%

WTFC KRXTR

Total Shareholder Return of WTFC Compared to KRXTR (5-Year)

172%

136%

108% 100%

110%

223%

142%

350%

300%

250%

200%

150%

WTFC KRXTR

Total Shareholder Return of WTFC Compared to KRXTR (10-Year)

263%

210%

242%

173%

151%

171%

168%

147%

156%

187%

100%

136%

149%

134%

100%

156%

157%

155%

131%

339%

50%

6/30/2021

6/30/2022

6/30/2023

6/30/2024

6/30/2025

6/30/2026

6/30/2016

6/30/2017

6/30/2018

6/30/2019

6/30/2020

6/30/2021

6/30/2022

6/30/2023

6/30/2024

6/30/2025

6/30/2026

92%

77%

91%

100%

50%

91%

WTFC KRXTR

WTFC KRXTR

* Data Source: S&P Capital IQ

Net Interest Margin/Income

Net interest margin within guidance range; coupled with strong earning asset growth generated net interest income growth

We believe we are well-positioned for strong financial performance as we expect the combination of a stable net interest margin and balance sheet growth to result in strong net interest income growth through 2026
Hedging activities help manage our interest rate risk. We anticipate that the repricing of variable rate loans and cash is substantially offset by the impact of hedges and deposit rate changes

Highlights

Record Net Interest Income in Q2 2026

($ in Millions)

$579.0

$546.7

3.54%

3.56%

3.52%

$597.4

6/30/2025 3/31/2026 6/30/2026

Net Interest Income NIM, fully taxable-equivalent (non-GAAP)

Derivatives Held by the Company as of June 30, 2026 that Hedge the Cash Flows of Variable Rate Loans1

($ in Billions)

$0.45

$1.75

$5.85

$0.45

$1.25

$6.05

$0.45

$1.25

$6.05

$0.45

$1.25

$4.70

$4.45

$4.15

$4.35

$6.90 $6.65

As of June 30, 2026

Collars Weighted Average Cap Rate: 3.70%
Collars Weighted Average Floor Rate: 2.21%
Receive Fixed Swaps Weighted Average Rate: 3.84%
Interest Rate Floor Weighted Average Strike Rate: 2.50%

6/30/2026 9/30/2026 12/31/2026 3/31/2027 6/30/2027

Received Fixed Swaps Costless Collars Interest Rate Floor

1 Balances shown represent the notional amount of cash flow hedging derivatives that are effective as of the dates presented. Reference the Appendix for the complete derivative schedule

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

($ in Millions)

$134.1 $141.3

Wealth Management Revenue Improvement Year-Over-Year

($ in Millions)

$39.9

$36.8

$49.7

$44.3

$45.9

$42.1

$36.8

$39.9

$42.1

$15.2

$18.8

$19.2

$19.5

$21.2

$21.0

$29.4

$34.0

$28.4

$23.2

$23.4

$27.4

$124.1

Q2 2025 Q1 2026 Q2 2026

Wealth Management Operating Lease Income, net Service Charges on Deposits Other1; incl. Call Option Income Mortgage Banking

Increase in Mortgage Originations for Sale Driven by Stronger

Q2 2025 Q1 2026 Q2 2026

Total Wealth Management Revenue Client Assets Under Administration ($ in billions)

Production Volume Amid Improved Market Activity MSRs Effectively Hedged to Moderate Impact to Fair Value

($ in Millions)

$441.7

$523.8

$152.3

$660.3

$157.7

$174.6

$681.5

$594.0

$834.9

($ in Millions)

$12,471 $12,535 $12,670

$193.1 $195.3 $201.9

Q2 2025 Q1 2026 Q2 2026

MSRs, at fair value Loans Serviced for Others

% of MSRs to Loans Serviced for Others	Q2 2025	Q1 2026	Q2 2026
% of MSRs to Loans Serviced for Others	1.55%	1.56%	1.59%

Q2 2025 Q1 2026 Q2 2026

Retail Originations Veterans First Originations

1 Other - includes Interest Rate Swap Fees, BOLI, Administrative Services, FX Remeasurement Gains/(Losses), Early Pay-Offs of Capital Leases, Gains/(losses) on investment securities, net, Fees from covered call options, Trading gains/(losses), net and Miscellaneous

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

($ in Millions)

$123.2

$129.9

$129.1

$55.9

$57.4

$62.4

$40.5

$42.0

$41.8

$219.5 $228.5 $234.1

56.68%

53.45%

53.76%

Q2 2025 Q1 2026 Q2 2026

Salaries Commissions and Incentive Compensation Benefits

Q2 2025 Q1 2026 Q2 2026

Efficiency Ratio (non-GAAP)

The Non-interest expense totaled $397.5 million in the second quarter of 2026, increasing $14.9 million, compared to $382.6 million in the first quarter of 2026
The increase was attributable to seasonally higher advertising and marketing expenses, and higher commissions and incentives expense, partially offset by the reversal of FDIC special assessment

Highlights

Strong Asset Growth Coupled With Prudent Expense Management

($ in Billions)

$64.9

$56.3

$45.1

$50.1

$52.9

2.51%

2.42%

2.33%

2.45%

2.36%

2.26%

2.21%

$71.1 $74.7

FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 6/30/2026

Total Assets Non-Interest Expense as a % of Average Assets

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

97% 97% 2% 2% 1% 1%

($ in Millions) ($ in Millions)

0.37%

0.34% 0.32%

$52,479 $53,961

$135.2

$133.0

$143.7

$44.1

$49.7

$45.1

$188.8 $182.7 $179.3

6/30/2025 3/31/2026 6/30/2026

NPLs as a % of Total Loans PFR - Life and Commercial NPLs Commercial, CRE and Other NPLs

Q1 2026 Q2 2026

$959 $1,034

Q1 2026 Q2 2026

$633 $660

Q1 2026 Q2 2026

Provision Remains Stable

($ in Millions)

Pass and Loans Guaranteed1 Special Mention Substandard2

Allowance For Credit Losses Quarter over Quarter

($ in Millions)

$10.0 $481.2

0.11%

0.14%

0.10%

$471.6

$(0.4)

$22.2

$18.4

$23.1

$13.3 $13.4

$29.6

Q2 2025 Q1 2026 Q2 2026

NCOs Provision for Credit Losses Annualized NCOs as a % of Average Total Loans

3/31/2026 Portfolio Changes3

Macroeconomic Scenario

6/30/2026

1 Pass and Loans Guaranteed: Includes early buy-out loans guaranteed by U.S. government agencies

2 Substandard: Substandard includes Substandard Accrual and Substandard Nonaccrual/Doubtful

3 Portfolio Changes: Includes new volume and run-off, changes in credit quality, shifts in segmentation mix, impact of net

charge-offs, and changes in qualitative factors

Non-Performing Assets to Total Assets

NPAs continue to remain historically low

1.74%

1.58%

1.52%

1.30%

1.03%

0.81%

0.85%

0.25%

0.45%

0.40% 0.41%

0.46% 0.48%

0.34%

0.51%

0.29%

0.39%

0.34%

0.62%

0.56%

0.50% 0.47%

0.44%

0.36%

0.32%

0.16%

0.21%

0.27% 0.30% 0.29%

0.26%

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

6/30/2026

NPA/TA

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

($ in Billions) ($ in Billions)

$54.1

$55.7

$51.0

0.90%

0.87%

0.86%

$32.1

$32.7

$29.9

1.37%

1.27%

1.24%

6/30/2025 3/31/2026 6/30/2026 6/30/2025 3/31/2026 6/30/2026

Total Loan Period End Balance Allowance as a % of Total Loans

Allowance Provides Proper Coverage due to Minimal Historic Losses in Niche1 Portfolio

($ in Billions)

Core Loan Period End Balance 1

Allowance as a % of Category

Coverage across all portfolios remains stable to protect against downside risks in an uncertain macroeconomic environment

Increase in allowance for credit losses driven by portfolio changes, primarily due to changes in credit quality and new volume

Q2 2026 Highlights

$22.9

$22.0

$21.1

0.22%

0.28%

0.32%

6/30/2025 3/31/2026 6/30/2026

Niche Loan Period End Balance 1

Allowance as a % of Category

1 Niche Loans consists of: Franchise, Mortgage warehouse lines of credit, Community Advantage - homeowners association, Insurance agency lending, Premium Finance receivables, and Consumer and other. All other loans are considered Core

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

($ in Millions) ($ in Millions)

$17,763

$18,281

$16,387

0.11%

0.17%

0.20%

$80.9

$87.8

$90.6

0.49%

0.50%

0.49%

6/30/2025 3/31/2026 6/30/2026

Period End Balance Net Charge-Off Ratio (Annualized)

6/30/2025 3/31/2026 6/30/2026

NPLs NPL as a % of Category

Allowance Provides Appropriate Coverage Commercial Loan Composition (as of 6/30/2026)

($ in Millions)

$194.6

$211.0

1.19%

1.28%

17%

10%

43%

$234.8

6/30/2025 3/31/2026 6/30/2026

Calculated Allowance Allowance as a % of Category

Commercial and industrial

Asset-based lending

Municipal

Leases

Franchise

Mortgage warehouse lines of credit

Community Advantage - HOA Insurance agency lending

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

($ in Millions) ($ in Millions)

$13,292

0.17%

0.02%

0.21%

$16.8

$17.2

0.12%

0.25%

$14,162 $14,271

$32.8

6/30/2025 3/31/2026 6/30/2026

Period End Balance Net Charge-Off Ratio (Annualized)

6/30/2025 3/31/2026 6/30/2026

NPLs NPL as a % of Category

Allowance Continues to Provide Appropriate Coverage

($ in Millions)

Commercial Real Estate Loan Composition (as of 6/30/2026)

1.47%

1.59%

1.69%

17%

13%

11%

24%

10%

23%

$224.4 $224.9 $209.9

Multi-family Industrial

Commercial and Residential construction Mixed use and other

Office Retail Land

6/30/2025 3/31/2026 6/30/2026

Calculated Allowance Allowance as a % of Category

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

($ in Millions) ($ in Millions)

$8,507

$9,196 $9,313

0.00% 0.00% 0.00%

0.00%	0.00%	0.00%	$0.3	$0.0	$0.0
6/30/2025	3/31/2026	6/30/2026	6/30/2025	3/31/2026	6/30/2026

Period End Balance Net Charge-Off Ratio (Annualized) NPLs NPL as a % of Category

Total Loan Collateral1 by Type (as of 6/30/2026) "Other" Loan Collateral1 by Type (as of 6/30/2026)

($ in Millions)

$9,128

Collateral

Coverage2 of 121%

$2,160

Other

16%

74%

Cash Surrender Value Other

Annuity Brokerage Account Certificate of Deposit Letters of Credit

1 Loan Collateral reported at actual values versus credit advance rate

2 Collateral Coverage is calculated by dividing Total Loan Collateral (Undiscounted) by Total Loan Portfolio Balance

Attention: This is an excerpt of the original content. To continue reading it, access the original document here.

Earlier from Wintrust Financial

All Wintrust Financial news releases