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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

5.98%Q2 ’245.63%Q2 ’255.35%Q2 ’26+4%-2%

Non-interest income vs. expense

2.43%Q2 ’242.38%Q2 ’252.40%Q2 ’26-4%-14%

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 1.99%, up 40 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.36% of loans (-36 bps YoY), with net charge-offs at 0.13%.
  • 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 (quarter, annualized)

1.99%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.70%-7 bps YoY

Efficiency Ratio (quarter, annualized)

45.77%-45 bps YoY

Tier 1 Leverage Ratio

11.41%+57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.82%2.16%1.98%1.99%+40 bps
Return on Equity14.27%16.18%19.22%17.33%17.02%+275 bps
Net Interest Margin3.76%3.72%3.77%3.67%3.70%-7 bps
Efficiency Ratio46.22%46.07%44.56%44.91%45.77%-45 bps
Non-Interest Burden0.98%0.96%0.89%0.83%0.85%-14 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 / Loans0.30%0.70%0.56%0.35%0.13%-17 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