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Letter portraitLegal landscapeQuarterYTD

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