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Letter portraitLegal landscapeQuarterYTD

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 $0.6BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $3.1B19%Noninterest $0.7BQ3 2024Q2 2026

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 1.42%, up 20 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.22% of loans (+4 bps YoY), with net charge-offs at 0.09%.
  • 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.

Return on Assets (YTD, annualized)

1.42%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-4 bps YoY

Efficiency Ratio (YTD, annualized)

42.47%-241 bps YoY

Tier 1 Leverage Ratio

9.75%+53 bps YoY

NIM

4.98%Q2 ’245.03%Q2 ’254.75%Q2 ’26+12%-1%

Non-interest income vs. expense

1.52%Q2 ’241.45%Q2 ’251.36%Q2 ’26-7%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.03%1.20%1.22%1.29%1.27%1.39%1.42%+20 bps
Return on Equity10.76%10.99%12.52%12.64%13.27%12.93%13.42%13.73%+109 bps
Net Interest Margin2.64%2.68%2.93%2.91%2.86%2.87%2.88%2.88%-4 bps
Efficiency Ratio51.00%49.56%45.12%44.88%43.82%43.54%43.19%42.47%-241 bps
Non-Interest Burden1.14%1.12%1.09%1.09%1.04%1.03%1.03%1.00%-9 bps
Growth
Asset Growth (YoY)10.74%10.86%4.57%7.48%10.42%8.10%6.29%7.21%-27 bps
Loan Growth (YoY)12.99%14.63%12.37%17.07%11.60%9.12%7.75%6.24%-1,083 bps
Deposit Growth (YoY)11.28%11.74%4.81%7.93%11.43%7.45%6.10%4.34%-358 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.26%0.31%0.18%0.17%0.15%0.18%0.22%+4 bps
Net Charge-Offs / Loans0.11%0.10%0.01%0.02%0.04%0.06%0.08%0.09%+7 bps
Allowance / Loans0.53%0.59%0.64%0.66%0.62%0.61%0.59%0.54%-12 bps
Allowance Coverage of NPLs2.0x2.3x2.1x3.7x3.7x4.0x3.4x2.5x-1.2x
Capital
Tier 1 Leverage Ratio8.73%8.90%8.97%9.22%9.24%9.53%9.48%9.75%+53 bps
Total Risk-Based Capital11.21%11.40%11.50%11.51%11.72%12.07%12.01%11.78%+28 bps
Equity / Assets9.62%9.47%9.75%9.75%9.85%10.32%10.40%10.26%+51 bps
Liquidity & Funding
Loans / Deposits87.96%87.99%89.72%90.53%88.09%89.36%91.11%92.18%+165 bps
Liquid Assets / Assets11.08%12.06%10.16%9.65%11.42%10.25%9.11%8.51%-114 bps
CRE / Total Capitaln/an/an/an/a207%202%206%n/an/a