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Libertyville Bank & Trust Company, National Association

Libertyville, IL · Cert 34073 · Wintrust Financial Corp.

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

Q2 2026

$3.3BAssets
$2.5BLoans
$2.9BDeposits
$283.9MEquity
Loan mix
42%RE $949.8M43%C&I $974.6M15%Consumer $333.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $2.4B16%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.85%Q2 ’245.48%Q2 ’255.22%Q2 ’26+0%+1%

Non-interest income vs. expense

1.16%Q2 ’241.23%Q2 ’251.21%Q2 ’26-5%-9%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.5% share · #27 of 147 inst. · $2.9B of $630.7B

Executive Summary

  • Earnings: ROA of 1.54%, down 21 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.39% of loans (-12 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.19%, down 33 bps from a year ago.
  • Funding: loans stand at 86.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.54%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+4 bps YoY

Efficiency Ratio (quarter, annualized)

33.03%-173 bps YoY

Tier 1 Leverage Ratio

9.19%-33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.65%1.53%1.47%1.54%-21 bps
Return on Equity19.77%18.73%17.17%15.99%17.36%-242 bps
Net Interest Margin3.24%3.18%3.23%3.28%3.28%+4 bps
Efficiency Ratio34.76%36.32%32.35%33.83%33.03%-173 bps
Non-Interest Burden0.92%0.94%0.79%0.90%0.84%-8 bps
Growth
Asset Growth (YoY)9.67%15.68%15.76%10.88%11.92%+224 bps
Loan Growth (YoY)6.56%13.53%12.18%8.45%8.43%+187 bps
Deposit Growth (YoY)10.98%18.50%17.02%11.18%13.14%+217 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.28%0.50%0.43%0.39%-12 bps
Net Charge-Offs / Loans0.04%0.19%0.04%0.04%0.06%+2 bps
Allowance / Loans0.73%0.66%0.73%0.84%0.90%+18 bps
Allowance Coverage of NPLs1.4x2.3x1.5x1.9x2.3x+0.9x
Capital
Tier 1 Leverage Ratio9.53%9.20%9.38%9.69%9.19%-33 bps
Total Risk-Based Capital11.91%11.69%12.00%12.45%11.81%-10 bps
Equity / Assets8.89%8.72%9.08%9.28%8.50%-39 bps
Liquidity & Funding
Loans / Deposits90.30%89.29%90.33%90.61%86.54%-376 bps
Liquid Assets / Assets8.86%9.73%9.04%7.60%9.62%+77 bps
CRE / Total Capitaln/a249%239%233%n/an/a