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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

6.05%Q2 ’245.80%Q2 ’255.31%Q2 ’26-2%-7%

Non-interest income vs. expense

1.33%Q2 ’241.25%Q2 ’251.22%Q2 ’26-6%-17%

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 1.59%, down 22 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.34% of loans (+10 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.59%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.28%-25 bps YoY

Efficiency Ratio (quarter, annualized)

33.21%+20 bps YoY

Tier 1 Leverage Ratio

9.65%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.96%1.53%1.50%1.59%-22 bps
Return on Equity19.86%21.35%16.28%15.92%17.36%-250 bps
Net Interest Margin3.53%3.44%3.20%3.28%3.28%-25 bps
Efficiency Ratio33.01%30.50%32.92%34.78%33.21%+20 bps
Non-Interest Burden0.99%0.85%0.86%0.94%0.83%-17 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 / Loans0.01%0.03%0.17%0.30%-0.01%-1 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