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Village Bank & Trust, National Association

Arlington Heights, IL · Cert 34011 · Wintrust Financial Corp.

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

Q2 2026

$3.6BAssets
$2.8BLoans
$3.0BDeposits
$362.7MEquity
Loan mix
34%RE $0.8B45%C&I $1.0B21%Consumer $0.5BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $2.2B24%Noninterest $0.7BQ2 2025Q2 2026

NIM

6.00%Q2 ’245.67%Q2 ’255.42%Q2 ’26-4%+0%

Non-interest income vs. expense

1.36%Q2 ’241.23%Q2 ’251.22%Q2 ’26-16%-16%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.5% share · #26 of 147 inst. · $3.0B of $630.7B

Executive Summary

  • Earnings: ROA of 1.91%, down 22 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.46% of loans (-2 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 9.53%, down 38 bps from a year ago.
  • Funding: loans stand at 94.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.91%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.53%0 bps YoY

Efficiency Ratio (quarter, annualized)

30.23%-123 bps YoY

Tier 1 Leverage Ratio

9.53%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%1.86%1.78%2.28%1.91%-22 bps
Return on Equity20.70%18.53%18.08%22.44%18.71%-198 bps
Net Interest Margin3.52%3.59%3.60%3.52%3.53%0 bps
Efficiency Ratio31.46%30.37%30.89%30.51%30.23%-123 bps
Non-Interest Burden0.81%0.80%0.80%0.76%0.68%-13 bps
Growth
Asset Growth (YoY)10.32%15.50%12.86%11.45%13.55%+323 bps
Loan Growth (YoY)15.14%13.28%7.96%9.74%12.23%-291 bps
Deposit Growth (YoY)10.74%17.60%11.54%10.23%12.16%+142 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.47%0.40%0.63%0.46%-2 bps
Net Charge-Offs / Loans0.15%0.06%-0.33%-0.02%0.15%0 bps
Allowance / Loans0.81%0.82%0.91%0.85%0.88%+7 bps
Allowance Coverage of NPLs1.7x1.7x2.2x1.3x1.9x+0.2x
Capital
Tier 1 Leverage Ratio9.91%9.30%9.43%9.84%9.53%-38 bps
Total Risk-Based Capital11.95%11.50%11.59%12.18%11.88%-7 bps
Equity / Assets10.22%9.83%9.89%10.44%10.00%-22 bps
Liquidity & Funding
Loans / Deposits94.47%92.19%93.07%94.95%94.53%+6 bps
Liquid Assets / Assets8.68%6.44%5.29%4.80%5.03%-365 bps
CRE / Total Capitaln/a180.47%174.30%163.48%n/an/a