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St. Charles Bank & Trust Company, National Association

Saint Charles, IL · Cert 27052 · Wintrust Financial Corp.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Charles Bank & Trust Company, National Association

Saint Charles, IL · Cert 27052 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)

Q2 2026

$3.7BAssets
$2.8BLoans
$3.1BDeposits
$367.4MEquity
Loan mix
36%RE $0.9B45%C&I $1.1B19%Consumer $0.5BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $2.7B15%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.72%Q2 ’245.34%Q2 ’255.12%Q2 ’26-6%0%

Non-interest income vs. expense

1.47%Q2 ’241.37%Q2 ’251.24%Q2 ’26-6%-13%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #31 of 147 inst. · $2.4B of $630.7B

15.3% Kane
9.4% Winnebago

Executive Summary

  • Earnings: ROA of 1.44%, up 2 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.70% of loans (+13 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 9.64%, up 16 bps from a year ago.
  • Funding: loans stand at 87.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-1 bps YoY

Efficiency Ratio (YTD, annualized)

37.61%-403 bps YoY

Tier 1 Leverage Ratio

9.64%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.45%1.41%1.36%1.44%+2 bps
Return on Equity14.05%14.36%14.01%13.53%14.34%+29 bps
Net Interest Margin3.00%2.92%2.87%2.99%3.00%-1 bps
Efficiency Ratio41.64%41.04%40.23%38.39%37.61%-403 bps
Non-Interest Burden1.06%1.00%0.96%0.96%0.91%-14 bps
Growth
Asset Growth (YoY)19.35%12.87%21.20%19.12%11.21%-814 bps
Loan Growth (YoY)16.21%13.00%14.72%14.78%11.96%-425 bps
Deposit Growth (YoY)20.55%13.18%20.42%18.00%9.65%-1,090 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.74%0.72%0.78%0.70%+13 bps
Net Charge-Offs / Loans0.33%0.24%0.19%0.11%0.20%-13 bps
Allowance / Loans0.67%0.63%0.64%0.66%0.59%-8 bps
Allowance Coverage of NPLs1.2x0.9x0.9x0.8x0.8x-0.3x
Capital
Tier 1 Leverage Ratio9.48%9.46%9.45%9.38%9.64%+16 bps
Total Risk-Based Capital11.34%11.71%11.44%11.56%11.69%+35 bps
Equity / Assets9.64%10.16%10.06%10.02%9.97%+33 bps
Liquidity & Funding
Loans / Deposits86.14%87.51%89.85%90.62%87.96%+182 bps
Liquid Assets / Assets10.99%8.12%3.43%3.44%5.39%-560 bps
CRE / Total Capitaln/a190.46%198.66%204%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

St. Charles Bank & Trust Company, National Association

Saint Charles, IL · Cert 27052 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)

Q2 2026

$3.7BAssets
$2.8BLoans
$3.1BDeposits
$367.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 31).
  • Widest gap: net interest margin trails 77% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.39%

Rank 17 of 31

Net Interest Margin

3.00%

Rank 24 of 31

Efficiency Ratio

37.70%

Rank 9 of 31

Equity / Assets

9.97%

Rank 19 of 31

Non-interest income vs. expense

$11.6M$44.3MINCOMEEXPENSE
Unfavorable gap of $32.8M · efficiency ratio beats 74% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 37.70%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.15%1.39%1.64%Beats 45%17 / 31
Return on Equity13.92%11.05%13.35%16.66%Beats 58%13 / 31
Net Interest Margin3.00%3.00%3.28%3.75%Beats 23%24 / 31
Efficiency Ratio37.70%37.25%50.71%61.60%Beats 74%9 / 31
Asset Quality
Nonperforming Loans / Loans0.70%0.18%0.41%1.00%Beats 32%22 / 31
Net Charge-Offs / Loans0.11%0.00%0.04%0.11%Beats 26%24 / 31
Capital
Tier 1 Capital Ratio11.07%10.88%11.50%13.72%Beats 32%21 / 31
Total Risk-Based Capital Ratio11.69%11.53%12.02%14.77%Beats 32%21 / 31
Equity / Assets9.97%8.90%10.15%11.24%Beats 39%19 / 31
Liquidity & Funding
Loans / Deposits87.96%80.56%87.67%94.53%55th pctl14 / 31
Loans / Assets74.81%67.81%73.77%76.85%61st pctl12 / 31
Brokered Deposits / Depositsn/aNot reported for this institution