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Letter portraitLegal landscapeQuarterYTD

Hinsdale Bank & Trust Company, National Association

Hinsdale, IL · Cert 33849 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 17 branches (213 in holding)

Q2 2026

$6.8BAssets
$5.0BLoans
$5.6BDeposits
$683.7MEquity
Loan mix
43%RE $1.7B46%C&I $1.8B11%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $4.6B18%Noninterest $1.0BQ2 2025Q2 2026

NIM

5.42%Q2 ’245.33%Q2 ’255.03%Q2 ’26+0%+0%

Non-interest income vs. expense

1.48%Q2 ’241.33%Q2 ’251.24%Q2 ’26-11%-13%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.9% share · #17 of 147 inst. · $5.6B of $630.7B

7.8% DuPage
0.3% Cook

Executive Summary

  • Earnings: ROA of 1.48%, up 3 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.16% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.20%, down 26 bps from a year ago.
  • Funding: loans stand at 90.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+1 bps YoY

Efficiency Ratio (YTD, annualized)

36.59%-331 bps YoY

Tier 1 Leverage Ratio

9.20%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.54%1.53%1.44%1.48%+3 bps
Return on Equity13.70%14.45%14.31%13.68%14.28%+58 bps
Net Interest Margin3.07%3.08%3.09%3.25%3.08%+1 bps
Efficiency Ratio39.90%39.24%38.83%36.28%36.59%-331 bps
Non-Interest Burden1.02%1.00%0.98%0.92%0.89%-13 bps
Growth
Asset Growth (YoY)7.73%7.48%12.95%14.55%18.65%+1,092 bps
Loan Growth (YoY)10.21%8.26%11.72%11.09%15.99%+578 bps
Deposit Growth (YoY)8.48%9.59%11.97%14.82%19.98%+1,150 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.15%0.15%0.14%0.16%+5 bps
Net Charge-Offs / Loans0.05%0.02%0.02%-0.06%0.00%-5 bps
Allowance / Loans0.65%0.60%0.58%0.66%0.66%0 bps
Allowance Coverage of NPLs5.7x3.9x4.0x4.9x4.0x-1.7x
Capital
Tier 1 Leverage Ratio9.47%9.68%9.88%9.45%9.20%-26 bps
Total Risk-Based Capital11.45%11.76%11.70%11.46%11.34%-11 bps
Equity / Assets10.61%10.80%10.85%10.17%10.05%-56 bps
Liquidity & Funding
Loans / Deposits93.09%91.37%93.15%89.31%90.00%-309 bps
Liquid Assets / Assets9.21%8.33%8.19%9.78%9.64%+43 bps
CRE / Total Capitaln/a200%198.79%211%n/an/a