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Town Bank, National Association

Hartland, WI · Cert 34717 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 25 branches (213 in holding)

Q2 2026

$4.7BAssets
$3.5BLoans
$3.8BDeposits
$483.1MEquity
Loan mix
42%RE $1.3B39%C&I $1.2B18%Consumer $0.6BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $3.1B19%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.13%Q2 ’245.07%Q2 ’254.78%Q2 ’26+11%-1%

Non-interest income vs. expense

1.55%Q2 ’241.44%Q2 ’251.35%Q2 ’26-8%-11%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 3.5% share · #5 of 43 inst. · $2.8B of $79.9B

11.1% Waukesha
1.3% Milwaukee
18.1% Walworth
8.2% Racine

Executive Summary

  • Earnings: ROA of 1.45%, up 21 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.22% of loans (+4 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.75%, up 53 bps from a year ago.
  • Funding: loans stand at 92.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.45%+21 bps YoY

Net Interest Margin (quarter, annualized)

2.91%-2 bps YoY

Efficiency Ratio (quarter, annualized)

41.77%-288 bps YoY

Tier 1 Leverage Ratio

9.75%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.42%1.21%1.39%1.45%+21 bps
Return on Equity12.74%14.49%11.98%13.42%14.08%+135 bps
Net Interest Margin2.92%2.98%2.91%2.88%2.91%-2 bps
Efficiency Ratio44.64%41.83%42.71%43.19%41.77%-288 bps
Non-Interest Burden1.09%1.02%1.01%1.03%0.98%-12 bps
Growth
Asset Growth (YoY)7.48%10.42%8.10%6.29%7.21%-27 bps
Loan Growth (YoY)17.07%11.60%9.12%7.75%6.24%-1,083 bps
Deposit Growth (YoY)7.93%11.43%7.45%6.10%4.34%-358 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.17%0.15%0.18%0.22%+4 bps
Net Charge-Offs / Loans0.03%0.08%0.14%0.08%0.11%+7 bps
Allowance / Loans0.66%0.62%0.61%0.59%0.54%-12 bps
Allowance Coverage of NPLs3.7x3.7x4.0x3.4x2.5x-1.2x
Capital
Tier 1 Leverage Ratio9.22%9.24%9.53%9.48%9.75%+53 bps
Total Risk-Based Capital11.51%11.72%12.07%12.01%11.78%+28 bps
Equity / Assets9.75%9.85%10.32%10.40%10.26%+51 bps
Liquidity & Funding
Loans / Deposits90.53%88.09%89.36%91.11%92.18%+165 bps
Liquid Assets / Assets9.65%11.42%10.25%9.11%8.51%-114 bps
CRE / Total Capitaln/a207%202%206%n/an/a