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Crystal Lake Bank & Trust Company, National Association

Crystal Lake, IL · Cert 34681 · Wintrust Financial Corp.

National charter · OCC · 6 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

87

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

Crystal Lake Bank & Trust Company, National Association

Crystal Lake, IL · Cert 34681 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 6 branches (213 in holding)

Q2 2026

$2.3BAssets
$1.8BLoans
$1.9BDeposits
$200.1MEquity
Loan mix
41%RE $630.4M45%C&I $685.0M14%Consumer $213.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.5B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.89%Q2 ’245.67%Q2 ’255.16%Q2 ’26-3%-6%

Non-interest income vs. expense

1.34%Q2 ’241.25%Q2 ’251.20%Q2 ’26-8%-11%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #38 of 147 inst. · $1.9B of $630.7B

Executive Summary

  • Earnings: ROA of 1.54%, down 11 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.34% of loans (+10 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 9.65%, down 36 bps from a year ago.
  • Funding: loans stand at 93.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-22 bps YoY

Efficiency Ratio (YTD, annualized)

33.97%+27 bps YoY

Tier 1 Leverage Ratio

9.65%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.76%1.70%1.50%1.54%-11 bps
Return on Equity18.13%19.23%18.44%15.92%16.71%-143 bps
Net Interest Margin3.42%3.29%3.24%3.28%3.20%-22 bps
Efficiency Ratio33.69%32.58%32.66%34.78%33.97%+27 bps
Non-Interest Burden0.97%0.89%0.87%0.94%0.86%-11 bps
Growth
Asset Growth (YoY)8.78%14.37%17.04%17.28%15.96%+717 bps
Loan Growth (YoY)12.46%12.57%14.09%12.76%13.07%+61 bps
Deposit Growth (YoY)8.11%15.18%18.44%19.94%15.44%+733 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.60%0.40%0.34%+10 bps
Net Charge-Offs / Loans0.02%0.03%0.06%0.30%0.13%+11 bps
Allowance / Loans0.80%0.77%0.80%0.82%0.82%+2 bps
Allowance Coverage of NPLs3.4x8.2x1.3x2.0x2.5x-0.9x
Capital
Tier 1 Leverage Ratio10.02%9.91%10.19%10.18%9.65%-36 bps
Total Risk-Based Capital11.64%12.07%12.31%12.54%11.63%-1 bps
Equity / Assets9.05%9.29%9.45%9.42%8.85%-19 bps
Liquidity & Funding
Loans / Deposits95.92%93.89%92.61%90.37%93.96%-196 bps
Liquid Assets / Assets8.17%7.97%7.13%8.56%5.41%-277 bps
CRE / Total Capitaln/a243%240%227%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

Crystal Lake Bank & Trust Company, National Association

Crystal Lake, IL · Cert 34681 · 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 · 6 branches (213 in holding)

Q2 2026

$2.3BAssets
$1.8BLoans
$1.9BDeposits
$200.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 5 of 31).
  • Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 26 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.48%

Rank 11 of 31

Net Interest Margin

3.20%

Rank 19 of 31

Efficiency Ratio

33.97%

Rank 5 of 31

Equity / Assets

8.85%

Rank 25 of 31

Non-interest income vs. expense

$7.5M$26.3MINCOMEEXPENSE
Unfavorable gap of $18.9M · efficiency ratio beats 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 33.97%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%1.15%1.39%1.64%Beats 65%11 / 31
Return on Equity16.66%11.05%13.35%16.66%Beats 74%8 / 31
Net Interest Margin3.20%3.00%3.28%3.75%Beats 39%19 / 31
Efficiency Ratio33.97%37.25%50.71%61.60%Beats 87%5 / 31
Asset Quality
Nonperforming Loans / Loans0.34%0.18%0.41%1.00%Beats 68%11 / 31
Net Charge-Offs / Loans0.08%0.00%0.04%0.11%Beats 32%22 / 31
Capital
Tier 1 Capital Ratio10.79%10.88%11.50%13.72%Beats 16%26 / 31
Total Risk-Based Capital Ratio11.63%11.53%12.02%14.77%Beats 29%22 / 31
Equity / Assets8.85%8.90%10.15%11.24%Beats 19%25 / 31
Liquidity & Funding
Loans / Deposits93.96%80.56%87.67%94.53%68th pctl10 / 31
Loans / Assets77.63%67.81%73.77%76.85%81st pctl6 / 31
Brokered Deposits / Depositsn/aNot reported for this institution