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Barrington Bank & Trust Company, National Association

Barrington, IL · Cert 34395 · Wintrust Financial Corp.

National charter · OCC · 9 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

19

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

Barrington Bank & Trust Company, National Association

Barrington, IL · Cert 34395 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 9 branches (213 in holding)

Q2 2026

$5.2BAssets
$3.9BLoans
$4.1BDeposits
$527.8MEquity
Loan mix
46%RE $1.7B44%C&I $1.6B10%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $3.4B18%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.07%Q2 ’245.02%Q2 ’254.84%Q2 ’26+4%+3%

Non-interest income vs. expense

4.37%Q2 ’244.07%Q2 ’253.89%Q2 ’26+21%-14%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #22 of 147 inst. · $4.1B of $630.7B

0.9% Cook
0.6% Lake

Executive Summary

  • Earnings: ROA of 1.27%, up 28 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 4.75% of loans (+25 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.08%, down 82 bps from a year ago.
  • Funding: loans stand at 94.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+8 bps YoY

Efficiency Ratio (YTD, annualized)

68.38%-423 bps YoY

Tier 1 Leverage Ratio

10.08%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.13%1.04%1.18%1.27%+28 bps
Return on Equity8.98%10.32%9.46%11.07%12.04%+305 bps
Net Interest Margin2.87%2.82%2.88%3.02%2.94%+8 bps
Efficiency Ratio72.61%70.34%71.32%68.93%68.38%-423 bps
Non-Interest Burden1.30%1.14%1.29%1.16%1.11%-19 bps
Growth
Asset Growth (YoY)10.49%9.16%9.67%8.49%10.44%-5 bps
Loan Growth (YoY)12.78%10.90%10.22%10.56%5.60%-718 bps
Deposit Growth (YoY)13.13%11.21%12.43%10.72%15.01%+188 bps
Asset Quality
Nonperforming Loans / Loans4.50%4.75%5.36%5.13%4.75%+25 bps
Net Charge-Offs / Loans0.06%0.05%0.05%0.10%0.08%+2 bps
Allowance / Loans0.53%0.53%0.60%0.63%0.63%+10 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.1x0.0x
Capital
Tier 1 Leverage Ratio10.90%10.85%10.42%10.46%10.08%-82 bps
Total Risk-Based Capital11.65%11.84%11.54%11.49%11.53%-11 bps
Equity / Assets10.94%11.01%10.90%10.49%10.22%-72 bps
Liquidity & Funding
Loans / Deposits102.55%100.70%103.29%100.86%94.16%-838 bps
Liquid Assets / Assets4.06%3.59%2.66%3.97%6.52%+246 bps
CRE / Total Capitaln/a126.20%136.74%140.96%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

Barrington Bank & Trust Company, National Association

Barrington, IL · Cert 34395 · 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 · 9 branches (213 in holding)

Q2 2026

$5.2BAssets
$3.9BLoans
$4.1BDeposits
$527.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 52% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 15 of 31).
  • Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.21%

Rank 21 of 31

Net Interest Margin

2.94%

Rank 27 of 31

Efficiency Ratio

68.38%

Rank 26 of 31

Equity / Assets

10.22%

Rank 15 of 31

Non-interest income vs. expense

$139.2M$195.1MINCOMEEXPENSE
Unfavorable gap of $55.9M · efficiency ratio beats 19% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 68.38%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%1.15%1.39%1.64%Beats 32%21 / 31
Return on Equity11.89%11.05%13.35%16.66%Beats 32%21 / 31
Net Interest Margin2.94%3.00%3.28%3.75%Beats 13%27 / 31
Efficiency Ratio68.38%37.25%50.71%61.60%Beats 19%26 / 31
Asset Quality
Nonperforming Loans / Loans4.75%0.18%0.41%1.00%Beats 3%31 / 31
Net Charge-Offs / Loans0.05%0.00%0.04%0.11%Beats 45%18 / 31
Capital
Tier 1 Capital Ratio10.91%10.88%11.50%13.72%Beats 26%23 / 31
Total Risk-Based Capital Ratio11.53%11.53%12.02%14.77%Beats 23%24 / 31
Equity / Assets10.22%8.90%10.15%11.24%Beats 52%15 / 31
Liquidity & Funding
Loans / Deposits94.16%80.56%87.67%94.53%71st pctl9 / 31
Loans / Assets75.47%67.81%73.77%76.85%65th pctl11 / 31
Brokered Deposits / Depositsn/aNot reported for this institution