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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

5.93%Q2 ’245.51%Q2 ’255.15%Q2 ’26-7%0%

Non-interest income vs. expense

1.48%Q2 ’241.38%Q2 ’251.24%Q2 ’26-8%-15%

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 1.52%, up 1 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.70% of loans (+13 bps YoY), with net charge-offs at 0.29%.
  • 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 (quarter, annualized)

1.52%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.05%-1 bps YoY

Efficiency Ratio (quarter, annualized)

36.87%-406 bps YoY

Tier 1 Leverage Ratio

9.64%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.48%1.32%1.36%1.52%+1 bps
Return on Equity15.14%14.99%13.03%13.53%15.16%+1 bps
Net Interest Margin3.06%3.02%3.04%2.99%3.05%-1 bps
Efficiency Ratio40.93%39.93%38.00%38.39%36.87%-406 bps
Non-Interest Burden1.04%0.98%0.93%0.96%0.89%-15 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 / Loans0.28%0.07%0.06%0.11%0.29%+1 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