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Wheaton Bank & Trust Company, National Association

Wheaton, IL · Cert 33803 · Wintrust Financial Corp.

National charter · OCC · 8 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

94

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

Wheaton Bank & Trust Company, National Association

Wheaton, IL · Cert 33803 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)

Q2 2026

$4.8BAssets
$3.2BLoans
$4.1BDeposits
$422.2MEquity
Loan mix
32%RE $0.9B49%C&I $1.4B18%Consumer $0.5BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $3.4B17%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #23 of 147 inst. · $4.1B of $630.7B

7.4% DuPage
0.2% Will

Executive Summary

  • Earnings: ROA of 1.60%, up 18 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.53% of loans (+13 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.10%, down 23 bps from a year ago.
  • Funding: loans stand at 77.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.60%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-7 bps YoY

Efficiency Ratio (YTD, annualized)

32.56%-363 bps YoY

Tier 1 Leverage Ratio

9.10%-23 bps YoY

NIM

5.37%Q2 ’245.22%Q2 ’254.93%Q2 ’26+1%-2%

Non-interest income vs. expense

1.22%Q2 ’241.18%Q2 ’251.03%Q2 ’26-8%-15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.38%1.38%1.42%1.48%1.46%1.56%1.60%+18 bps
Return on Equity14.41%14.61%14.88%15.42%16.07%15.90%16.87%17.60%+218 bps
Net Interest Margin2.83%2.79%3.07%2.94%2.78%2.74%2.96%2.87%-7 bps
Efficiency Ratio37.75%37.37%36.80%36.19%35.62%35.07%33.63%32.56%-363 bps
Non-Interest Burden0.85%0.82%0.90%0.83%0.77%0.76%0.77%0.70%-13 bps
Growth
Asset Growth (YoY)16.12%13.78%19.72%17.73%15.64%22.34%18.79%17.71%-2 bps
Loan Growth (YoY)13.38%13.67%19.68%19.38%18.63%16.21%15.11%10.52%-886 bps
Deposit Growth (YoY)16.41%13.78%20.47%18.90%16.34%23.79%19.93%19.45%+55 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.44%0.40%0.39%0.38%0.47%0.40%0.53%+13 bps
Net Charge-Offs / Loans0.07%0.15%0.15%0.07%0.10%0.15%0.21%0.17%+9 bps
Allowance / Loans0.92%0.84%0.85%0.77%0.70%0.64%0.59%0.51%-26 bps
Allowance Coverage of NPLs1.8x1.9x2.1x2.0x1.9x1.4x1.5x1.0x-1.0x
Capital
Tier 1 Leverage Ratio9.00%9.07%9.28%9.33%9.06%9.01%9.42%9.10%-23 bps
Total Risk-Based Capital11.54%11.43%11.59%11.19%11.37%11.34%11.75%11.32%+13 bps
Equity / Assets9.25%9.14%9.40%9.06%9.32%9.10%9.42%8.81%-24 bps
Liquidity & Funding
Loans / Deposits81.79%84.93%85.02%84.28%83.40%79.73%81.61%77.98%-630 bps
Liquid Assets / Assets17.71%15.30%15.68%14.57%12.33%12.80%11.15%13.83%-74 bps
CRE / Total Capitaln/an/an/an/a164.41%158.97%159.51%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

Wheaton Bank & Trust Company, National Association

Wheaton, IL · Cert 33803 · 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 · 8 branches (213 in holding)

Q2 2026

$4.8BAssets
$3.2BLoans
$4.1BDeposits
$422.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
  • Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.53%

Rank 10 of 31

Net Interest Margin

2.87%

Rank 29 of 31

Efficiency Ratio

32.56%

Rank 3 of 31

Equity / Assets

8.81%

Rank 26 of 31

Non-interest income vs. expense

$14.8M$46.4MINCOMEEXPENSE
Unfavorable gap of $31.6M · efficiency ratio beats 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 32.56%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%1.15%1.39%1.64%Beats 68%10 / 31
Return on Equity17.37%11.05%13.35%16.66%Beats 87%4 / 31
Net Interest Margin2.87%3.00%3.28%3.75%Beats 6%29 / 31
Efficiency Ratio32.56%37.25%50.71%61.60%Beats 94%3 / 31
Asset Quality
Nonperforming Loans / Loans0.53%0.18%0.41%1.00%Beats 45%18 / 31
Net Charge-Offs / Loans0.09%0.00%0.04%0.11%Beats 29%23 / 31
Capital
Tier 1 Capital Ratio10.78%10.88%11.50%13.72%Beats 13%27 / 31
Total Risk-Based Capital Ratio11.32%11.53%12.02%14.77%Beats 6%29 / 31
Equity / Assets8.81%8.90%10.15%11.24%Beats 16%26 / 31
Liquidity & Funding
Loans / Deposits77.98%80.56%87.67%94.53%13th pctl27 / 31
Loans / Assets67.35%67.81%73.77%76.85%16th pctl26 / 31
Brokered Deposits / Depositsn/aNot reported for this institution