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Wintrust Bank, National Association

Chicago, IL · Cert 33935 · Wintrust Financial Corp.

National charter · OCC · 37 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

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

Wintrust Bank, National Association

Chicago, IL · Cert 33935 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 37 branches (213 in holding)

Q2 2026

$9.6BAssets
$8.0BLoans
$8.3BDeposits
$1.1BEquity
Loan mix
53%RE $3.8B38%C&I $2.8B9%Consumer $0.6BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $6.0B28%Noninterest $2.3BQ2 2025Q2 2026

NIM

5.89%Q2 ’245.58%Q2 ’255.27%Q2 ’26+2%-1%

Non-interest income vs. expense

2.41%Q2 ’242.31%Q2 ’252.34%Q2 ’26+66%-18%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.3% share · #13 of 147 inst. · $8.3B of $630.7B

Executive Summary

  • Earnings: ROA of 1.98%, up 20 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.36% of loans (-36 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 11.41%, up 57 bps from a year ago.
  • Funding: loans stand at 96.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-5 bps YoY

Efficiency Ratio (YTD, annualized)

45.35%-90 bps YoY

Tier 1 Leverage Ratio

11.41%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.79%1.88%1.98%1.98%+20 bps
Return on Equity15.80%15.92%16.75%17.33%17.21%+141 bps
Net Interest Margin3.71%3.71%3.68%3.67%3.66%-5 bps
Efficiency Ratio46.25%46.19%45.77%44.91%45.35%-90 bps
Non-Interest Burden1.01%0.99%0.96%0.83%0.83%-18 bps
Growth
Asset Growth (YoY)-0.02%-1.82%1.48%-3.76%0.04%+6 bps
Loan Growth (YoY)-1.75%-3.97%-0.25%1.49%0.38%+213 bps
Deposit Growth (YoY)0.07%-2.11%2.11%-5.13%-0.22%-30 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.47%0.39%0.36%0.36%-36 bps
Net Charge-Offs / Loans0.28%0.42%0.45%0.35%0.24%-4 bps
Allowance / Loans1.13%1.09%0.97%0.95%0.97%-16 bps
Allowance Coverage of NPLs1.6x2.3x2.5x2.6x2.7x+1.1x
Capital
Tier 1 Leverage Ratio10.84%10.76%10.52%11.29%11.41%+57 bps
Total Risk-Based Capital12.45%12.74%12.53%13.08%13.27%+82 bps
Equity / Assets11.17%11.36%11.06%11.83%11.57%+40 bps
Liquidity & Funding
Loans / Deposits95.45%95.43%94.32%99.33%96.02%+58 bps
Liquid Assets / Assets6.83%7.39%8.69%5.31%6.70%-13 bps
CRE / Total Capitaln/a286%292%279%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

Wintrust Bank, National Association

Chicago, IL · Cert 33935 · 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 · 37 branches (213 in holding)

Q2 2026

$9.6BAssets
$8.0BLoans
$8.3BDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: return on assets outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
  • Widest gap: net charge-offs / loans trails 81% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 26 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.96%

Rank 3 of 31

Net Interest Margin

3.66%

Rank 11 of 31

Efficiency Ratio

45.46%

Rank 13 of 31

Equity / Assets

11.57%

Rank 7 of 31

Non-interest income vs. expense

$144.1M$223.8MINCOMEEXPENSE
Unfavorable gap of $79.8M · efficiency ratio beats 61% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 45.46%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.96%1.15%1.39%1.64%Beats 90%3 / 31
Return on Equity16.92%11.05%13.35%16.66%Beats 77%7 / 31
Net Interest Margin3.66%3.00%3.28%3.75%Beats 65%11 / 31
Efficiency Ratio45.46%37.25%50.71%61.60%Beats 61%13 / 31
Asset Quality
Nonperforming Loans / Loans0.36%0.18%0.41%1.00%Beats 61%13 / 31
Net Charge-Offs / Loans0.14%0.00%0.04%0.11%Beats 19%26 / 31
Capital
Tier 1 Capital Ratio12.25%10.88%11.50%13.72%Beats 61%12 / 31
Total Risk-Based Capital Ratio13.27%11.53%12.02%14.77%Beats 65%11 / 31
Equity / Assets11.57%8.90%10.15%11.24%Beats 77%7 / 31
Liquidity & Funding
Loans / Deposits96.02%80.56%87.67%94.53%87th pctl4 / 31
Loans / Assets83.16%67.81%73.77%76.85%94th pctl2 / 31
Brokered Deposits / Depositsn/aNot reported for this institution