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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 $0.5BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $3.4B17%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.59%Q2 ’245.28%Q2 ’255.06%Q2 ’26-3%0%

Non-interest income vs. expense

1.23%Q2 ’241.15%Q2 ’251.02%Q2 ’26-9%-16%

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 1.66%, up 19 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.53% of loans (+13 bps YoY), with net charge-offs at 0.13%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.66%+19 bps YoY

Net Interest Margin (quarter, annualized)

2.91%-1 bps YoY

Efficiency Ratio (quarter, annualized)

31.53%-405 bps YoY

Tier 1 Leverage Ratio

9.10%-23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.59%1.42%1.56%1.66%+19 bps
Return on Equity15.92%17.34%15.40%16.87%18.24%+232 bps
Net Interest Margin2.92%2.90%3.02%2.96%2.91%-1 bps
Efficiency Ratio35.57%34.55%33.57%33.63%31.53%-405 bps
Non-Interest Burden0.79%0.76%0.83%0.77%0.66%-13 bps
Growth
Asset Growth (YoY)17.73%15.64%22.34%18.79%17.71%-2 bps
Loan Growth (YoY)19.38%18.63%16.21%15.11%10.52%-886 bps
Deposit Growth (YoY)18.90%16.34%23.79%19.93%19.45%+55 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.38%0.47%0.40%0.53%+13 bps
Net Charge-Offs / Loans0.01%0.14%0.32%0.21%0.13%+12 bps
Allowance / Loans0.77%0.70%0.64%0.59%0.51%-26 bps
Allowance Coverage of NPLs2.0x1.9x1.4x1.5x1.0x-1.0x
Capital
Tier 1 Leverage Ratio9.33%9.06%9.01%9.42%9.10%-23 bps
Total Risk-Based Capital11.19%11.37%11.34%11.75%11.32%+13 bps
Equity / Assets9.06%9.32%9.10%9.42%8.81%-24 bps
Liquidity & Funding
Loans / Deposits84.28%83.40%79.73%81.61%77.98%-630 bps
Liquid Assets / Assets14.57%12.33%12.80%11.15%13.83%-74 bps
CRE / Total Capitaln/a164.41%158.97%159.51%n/an/a