Wintrust Financial : 2nd Quarter 2026 Earnings Call - Presentation Materials

About this update from Wintrust Financial Corporation

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...

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